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Full text of "Annual Report of the Commissioners of Savings Banks, September 30, 1867-1870"

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PUBLIC DOCUMENT , i No. S. 



ANNUAL REPORT 



OF TUG 



Cflmmbstfliur of takings faults, 



INCLUDING THE 



ABSTKACTS OF RETURNS 



FROM THE 



SAVINGS INSTITUTIONS 



IN 



MASSAC HU SETTS 



* '' *' > '■ 8*« 



, ' ' ' 

18 6 7. 



BOSTON: 

WRIGHT & POTTER, STATE PRINTERS, 
No. 4 Spring Lane. 

1868. 



1«z hi -10 



ANNUAL REPORT 



OF THE 



COMMISSIONER OF SAVINGS BANKS. 



To Hon. Oliver Warner, Secretary of the Commonwealth. 

In compliance with the provisions of law, the Commissioner 
of Savings Banks has the honor to submit the following as his 
Second Annual Report. 

The number of savings banks and institutions for savings in 
operation, at the date of the Report, is one hundred and eight. 

Of this number five have been organized and commenced 
business during the present year. 

All have been examined by the Commissioner at the respec- 
tive dates given in the following list, with the exception of four, 
which have been engaged in business considerably less than a 
year. 

Savings Institutions Examined in 1867. 



NAME. 


Place. 


Date of 
Examination. 


Abington Savings Bank, .... 


Abington, . 


• 

Sept. 27. 


Amherst Savings Bank, .... 


Amherst, . 


June 21. 


Andover Savings Bank, .... 


Andover, . 


Oct. 17. 


Arlington Five Cents Savings Bank, 


Arlington, . 


April 18. 


Attleborough Savings Bank, .... 


Attleborough, 


Sept. 18. 


Barnstable Savings Bank, .... 


Barnstable, 


Aug. 3. 


Berkshire County Savings Bank, . 


Pittsfield, . 


May 23. 


Beverly Savings Bank, ..... 


Beverly, 


Oct. 15. 


Boston Five Cents Savings Bank, . 


Boston, 


Feb. 8. 


Boston Penny Savings Bank, 


Boston, 


Jan. 23. 


Brighton Five Cents Savings Bank, 


Brighton, . 


Mar. 15. 


Bristol County Savings Bank, 


Taunton, . 


Aug. 20. 


Cambridgeport Savings Bank, 


Cambridge, 


Nov. 11. 



BANK COMMISSIONER'S REPORT. 



[Jan. 



Savings Institutions Examined — Continued. 



NAME. 



Tlace. 



Date of 
Examination. 



Canton Institution for Savings, 

Cape Ann Savings Bank, 

Cape Cod Five Cents Savings Bank, 

Charlestovvn Five Cents Savings Bank, 

Chelsea Savings Bank, . 

Chieopee Savings Bank, 

Citizens' Savings Bank, 

City Institution for Savings, . 

Clinton Savings Bank, . 

Cohasset Savings Bank, 

Dan vers Savings Bank, 

Dedham Institution for Savings, 

Dorchester Savings Bank, 

East Boston Savings Bank, . 

East Cambridge Five Cents Savings Bank, 

Eliot Five Cents Savings Bank, . 

Essex Savings Bank, 

Fairhaven Institution for Savings, 

Fall River Five Cents Savings Bank, 

Fall River Savings Bank, 

Fitchburg Savings Bank, 

Foxborough Savings Bank, . 

Framingham Savings Bank, . 

Franklin Savings Bank, 

Franklin Savings Institution, 

Hampden Savings Bank, 

Haverhill Savings Bank, 

Hingham Institution for Savings, 

Holyoke Savings Bank, 

Institution for Savings in the Town of Newton, 

Institution for Savings in Newburyport and its 
Vicinity, .... 

Institution for Savings in Roxbury and its Vi- 
cinity, . 

Lancaster Savings Bank, 

Lee Savings Bank, 

Lowell Five Cents Savings Bank, 

Lowell Institution for Savings, 

Lynn Five Cents Savings Bank, 

Lynn Institution for Savings, 

Maiden Savings Bank, . 

Marlborough Savings Bank, . 

Mechanics' Savings Bank, 

Mercantile Savings Institution, 

Middlesex Institution for Savings, 

Milford Savings Bank, . 

Millbury Savings Bank, 

Nantucket Institution for Savings, 

Natick Five C»*nts Savings Bank,, 

New Bedford Five Cents Savings Bank, 

New Bedford Institution for Savings, . 



Canton, 

Gloucester, 

Harwich, 

Charlestown, 

Chelsea, 

Chieopee, 

Fall River, 

Lowell, 

Clinton, 

Cohasset, 

Dan vers, 

Dedham, 

Dorchester, 

Boston, 

Cambridge, 

Roxbury, 

Lawrence, 

Fairhaven,, 

Fall River, 

Fall River, 

Fitchburg, . 

Foxborough, 

Framingham, 

Boston, 

Greenfield, 

Springfield, 

Haverhill, . 

Hingham, . 

Holyoke, .' 

Newton, 

Newburyport, 

Roxbury, 

Lancaster, 

Lee, j> 

Lowell, 

Lowell, 

Lynn, 

Lynn, 

Maiden, 

Marlborough, 

Lowell, 

Boston, 

Concord, 

Milford, 

Millbury, 

Nantucket, 

Natick, 

New Bedford, 

New Bedford, 



July 23. 
Nov. 27. 
Aug. 2. 
Oct. 3. 
Sept. 13. 
June 29. 
Aug. 23. 
Mar. 21. 
April 30. 
Aug. 29. 
Oct. 15. 
Jan. 24. 
Sept. 6. 
Feb. 7. 
Sept. 25. 
Jan. 16. 
Oct. 17. 
Aug. 21. 
Aug. 23. 
Aug. 23. 
April 10. 
Sept. 18. 
Dec. 6. 
Feb. 1. 
June 20. 
June 28. 
Oct. 8. 
Sept. 15. 
June 27. 
Mar. 13. 

Nov. 19. 

Jan. 10. 
April 30. 
May 22. 
Mar. 21. 
Mar. 22. 
Oct. 2. 



Oct. 
Oct. 
May 



2. 
3. 

7. 



Mar. 22. 
Nov. 23. 
Mar. 25. 
April 23. 
April 20. 



Aug. 
Dec. 



o. 
5. 



Aug 21. 
Aug. 22. 



1868.] 



PUBLIC DOCUMENT— No. 8. 



5 



Savings Institutions Examined — Concluded. 



NAME. 


Place. 


Date of 
Examination. 


Newburyport Five Cents Savings Bank, 
Northampton Institution for Savings, 


• 
• 


Newburyport, . 
Northampton, 


Nov. 
June 


19. 

27. 


North Adams Savings Bank, 


• 


North Adams, . 


May 


23. 


North Bridgewater Savings Bank, 
North Brookfield Savings Bank, . 


• 
• 


N. Bridgewater,. 
North Brookfield, 


Sept. 
June 


20. 
26. 


North Easton Savings Bank, 


• 


North Easton, . 


July 


23. 


People's Savings Bank, 


• 


Worcester, . 


Mar. 


1. 


Plymouth Five Cents Savings Bank, 


• 


Plymouth, . 


Sept. 


28. 


Plymouth Savings Bank, .... 
Provident Institution for Savings in the Town 


Plymouth, . 


Sept. 


28. 


of Boston, ...... 


• 


Boston, 


Feb. 


15. 


Provident Institution for Savings in Salisb 


ury 








and Amesbury, ..... 
Quincy Savings Bank, .... 
Randolph Savings Bank, 
Rockport Savings Bank, , 
Salem Five Cents Savings Bank, . 


• 
• 
• 
• 
• 


Salisbury, . 
Quincy, 
Randolph, . 
Rockport, . 
Salem, 


Dec. 

Sept. 

Sept. 

Nov. 

Nov. 


4. 

5. 
20. 
27. 
12. 


Salem Savings Bank, .... 


• 


Salem, 


Nov. 


7. 


Sandwich Savings Bank, 


• 


Sandwich, . 


Aug. 


5. 


Savings Institution in the Town of Cambridge, 


Cambridge, 


Oct. 


11. 


Scituate Savings Bank, .... 


• 


Scituate, 


Aug. 


27. 


Seamen's Savings Bank, 


• 


Provincetown, . 


July 


31. 


Shelburne Falls Five Cents Savings Banl 


: > • 


Shelburne Falls,. 


June 


20. 


Southbridge Savings Bank, . 


• 


Southbridge, 


July 


10. 


South Boston Savings Bank, 


• 


Boston, 


Jan. 


29. 


South Scituate Savings Bank, 


• 


South Scituate, . 


Aug. 


28. 


Springfield Five Cents Savings Bank, . 
Springfield Institution for Savings, 


• 
• 


Springfield, 
Springfield, 


May 
June 


25. 
28. 


Stoneham Five Cents Savings Bank, 


# 


Stoneham, . 


May 


8. 


Suffolk Savings Bank for Seamen and Others, 


Boston, 


Feb. 


5. 


Union Institution for Savings, 


• 


Boston, 


Jan. 


29. 


Waltham Savings Bank, 


• 


Waltham, . 


Dec. 


28. 


Ware Savings Bank, .... 


• 


Ware, 


June 


26. 


Wareham Savings Bank, . 


• 


Wareham, . 


Aug. 


6. 


Warren Five Cents Savings Bank, 


• 


South Danvers, . 


Nov. 


12. 


Warren Institution for Savings, 


• 


Charlestown, 


Oct. 


1. 


Wellfleet Savings Bank, . . ., 


• 


Wellfleet, . 


Aug. 


1. 


Westfield Savings Bank, 


• 


Westfield, . 


May 


24. 


Weymouth and Braintree Institution 


for 








Savings, 

Winchendon Savings Bank, , \ . 


• 
• 


Weymouth, 
Winchendon, 


Aug. 
June 


27. 
19. 


Woburn Five Cents Savings Bank, 


• 


Woburn, . 


Oct. 


10. 


Worcester County Savings Bank, . 
Worcester Five Cents Savings Bank, . 


• 
• 


Worcester, . 
Worcester, . 


Mar. 
Feb. 


1. 

27. 


Worcester Mechanics' Savings Bank, . 


• 


Worcester, . 


Feb. 


27. 



The general condition of the institutions at the time of exam- 
ination, will appear in the following Abstracts. 



6 



BANK COMMISSIONER'S REPORT. 



[Jan. 



ABINGTON SAVINGS BANK— ABINGTON. 

[September 27.] 
Jenkins Lane, President. Treasurer, J. N. Farrar. 



Deposits, 


• • • 


$266,340 54 




Profits, .... 


• i 






27,306 03 




Public Funds, . 


, 








$98,650 00 


Bank Stock, 


• 








27,300 00 


Loans on Public Funds, . 


• i 








4,000 00 


on Bank Stock, 


• 








2,482 64 


on Real Estate, 


• 








119,882 12 


on Personal Security, 


• t 








17,165 00 


to Counties, Cities and Towns, 






22,052 79 


Cash on hand, . 


• • 






2,114 02 










$293,646 57 


$293,646 57 



Number of Depositors, 1,429 

Rate of ordinary dividends for the last year, 5 per cent. 

Amount of ordinary dividends for the last year, $11,561 21 

Average annual rate of dividends for last five years, 6£ per cent. 

Last dividend of reserved profits, in 1863, $4,405 64 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, .... $7,100 00 

Average annual expenses, 550 00 



AMHERST SAVINGS BANK— AMHERST. 

[June 21.] 

Charles Adams, President. Treasurer, Samuel C. Carter. 



Deposits, 


• • • • • 


$17,445 13 




Profits, 


• • • • • 


165 82 




Interest, . 


• • • • • 


179 51 




Public Funds, . 


• • • • • 




$8,200 00 


Bank Stock, 


• • • • • 




300 00 


Railroad Bonds, 


• • • • • 




500 00 


Loans on Personal Security, . 




2,500 00 


to Counties, 


Cities and Towns, 




5,900 00 


Expense account, 


• • • • • 




108 84 


Cash on hand, . 


• • • • • 




281 62 




$17,790 46 


$17,790 46 



Number of Depositors, 322 

Rate of ordinary dividends for the last year, 5 per cent. 

Amount of ordinary dividends for the last year, $429 38 

Average annual expenses, 100 00 



1868.] 



PUBLIC DOCUMENT— No. 8. 



ANDOVER SAVINGS BANK— ANDOVER. 

[October 17.] 
Nathaniel Swift, President. Treasurer, John Flint. 



Deposits, .... 


• ♦ • 


$464,760 18 




Profits, .... 


• • • 


20,969 62 




Public Funds, . 


• • • • 




$249,500 00 


Bank Stock, 


• • • 




70,500 00 


Loans on Public Funds, . 


• * • 




1,000 00 


on Real Estate, 


• • • 




96,145 90 


on Personal Security, 


• • • 




10,587 00 


to Counties, Cities and Towns, 




53,000 00 


to Banks, on interest, 


• • • 




3,753 13 


Cash on hand, . 


* * • 




1,243 77 




$485,729 80 


$485,729 80 



Number of Depositors, 1,809 

Rate of ordinary dividends for the last year, . . . . . . 5 per cent. 

Amount of ordinary dividends for the last year, ...... $20,503 98 

Largest amount invested in the stock of any one bank, .... 15,000 00 

Average annual expenses, 900 00 



ARLINGTON FIVE CENTS SAVINGS BANK— ARLINGTON. 

[April 18.] 
Samuel Butterfield, President. Treasurer, "William Proctor. 



Deposits, ....... 


$138,212 22 




Profits, 


3,479 97 




Temporary Loan, . 


1,000 00 




Public Funds, 




$53,000 00 


Loans on Real Estate, .... 




85,980 00 


on Personal Security, 




1,650 00 


to Counties, Cities and Towns, 




1,000 00 


Expense account, 




288 40 


Cash on hand, 




773 79 




$142,692 19 


$142,692 19 



Number of Depositors, ' 909 

Rate of ordinary dividends for the last year, 5 per cent. 

Amount of ordinary dividends for the last year, $5,636 21 

Average annual rate of dividends for last five years, . ... 7^ per cent. 

Last dividend of reserved profits, in 1865, $4,778 61 

Extra dividends are made once in Five years. 

Average annual expenses, . . ' $375 00 



8 



BANK COMMISSIONER'S REPORT. 



[Jan. 



ATTLEBOROUGH SAVINGS BANK— ATTLEBORO UGH. 

[September 18.] 
Ezekiel. Bates, President. Treasurer, H. M. Daggett. 



Deposits, 


$25,528 38 




Profits, ....... 


544 85 




Public Funds, ...... 




$7,300 00 


Bank Stock, 




2,290 50 


Loans on Personal Security, 




2,500 00 


to Counties, Cities and Towns, 




13,600 00 


Expense Account, 




2 00 


Cash on hand, 




380 73 


. 


$26,073 23 


$26,073 23 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . 

Average annual expenses, 



163 
7 per cent. 

$756 13 

$2,500 00 
25 00 



BARNSTABLE SAVINGS BANK— BARNSTABLE. 

[August 3.] 
Josiah Hixckeey, President. Treasurer, John Munroe. 



Deposits, 


$714,532 05 




Profits, 








9,160 48 




Dividend Account, 








22,805 65 




Public Funds, . 










$212,000 00 


Bank Stock, 










154,706 56 


Real Estate, 










3,500 00 


Loans on Real Estate, 










248,015 00 


on Personal Security, 








85,997 38 


to Counties, Cities and Towns, 




40,000 00 


Cash on hand, 




2,279 24 










$746,498 18 


$746,498 18 



N umber of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, . 
No extra dividends are made. 

Largest amount invested in the stock of any one bank, 
Average annual expenses, 



2,638 
7 per cent. 
$47,441 83 

$14,000 00 
1,500 00 



1868.] 



PUBLIC DOCUMENT— No. 8. 



9 



BERKSHIRE COUNTY SAVINGS BANK— PITTSFIELD. 

[May 23.] 
Julius Rockwell, President. Treasurer, Robert W. Adam. 



Deposits, .... 


• • • 


1603,176 10 




Profits, .... 


• • • 


11,903 81 




Public Funds, . 


• • • 




$326,100 00 


Bank Stock, 


• • • 




80,620 00 


Loans on Real Estate, 


• • • 




71,021 14 


on Personal Security, 


• • • 




84,925 00 


to Counties, Cities and Towns, 




40,996 36 


Expense Account, 


• * • 




794 84 


Cash on hand, . 


• • •' 




10,622 57 




$615,079 91 


$615,079 91 



Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends for the last five years, 
Last dividend of reserved profits, in April, 1867, . 

Extra dividends are made once in 

Largest amount invested in the stock of any one hank, . 
Average annual expenses, ...... 



5 per cent. 

$23,625 30 
7 per cent. 

$26,710 37 
Five years. 
$8,000 00 
1,800 00 



BEVERLY SAVINGS BANK— BEVERLY. 

[October 15.] 

William Endicott, President. Treasurer, Robert G. Bennett. 



Deposits, ..... 

Profits, 

Public Funds, .... 
Loans on Public Funds, 

on Bank Stock, 

on Real Estate, 

to Counties, Cities and Towns. 
Expense Account, 
Cash on hand, .... 



$24,098 87 
238 51 



$24,337 38 



$1,000 00 

860 00 

5,600 00 

13,475 00 

2,600 00 

116 26 

686 12 



$24,337 38 



Commenced business in 1867. 



10 



BANK COMMISSIONER'S REPORT. 



[Jan. 



BOSTON FIVE CENTS SAVINGS BANK— BOSTON. 

[February 8.] 
Paul Adams, President. Treasurer, A. H. Evans. 



Deposits, 


$5,387,615 75 




Profits and Interest, 


271,339 51 




Suspense Account, 


' 4,756 54 




Public Funds, 




$2,459,900 00 


Bank Stock, 




344,887 50 


Real Estate, 




104,420 71 


Railroad Bonds, 




100,000 00 


Loans on Public Funds, .... 




10,000 00 


on Real Estate, . . . . 




1,759,400 00 


on Personal Security, 




42,200 00 


to Counties, Cities and Towns, 




323,900 00 


to Banks, on interest, 




495,328 02 


Expense account, 




19,103 61 


Cash on hand, 




4,571 96 




$5,663,711 80 


$5,663,711 80 



Number of Depositors, 41,552 

Rate of ordinary dividends for the last year, 5 per cent. 

Amount of ordinary dividends for the last year, $200,580 03 

Average annual rate of dividends for last five years, .... 6 per cent. 

Last dividend of reserved profits, in 1864, $85,728 35 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, .... $43,300 00 

Average annual expenses, 14,654 00 



BOSTON PENNY SAVINGS BANK— BOSTON. 

[January 23.] 
Daniel Harwood, President. Treasurer, N. P. Lamson. 



Deposits, 


$183,191 23 




Profits, . . 






2,358 29 




Public Funds, .... 








$90,200 00 


Bank Stock, .... 








11,000 00 


Loans on Public Funds, . 








10,000 00 


on Bank Stock, 








9,000 00 


on Real Estate, 








52,917 60 


to Banks, on interest, 








2,812 72 


Suspense account, 








743 54 


Cash on hand, . 








8,875 66 








$185,549 52 


$185,549 52 



Number of Depositors, 4,541 

Rate of ordinary dividends for the last year, 5 per cent. 

Amount of ordinary dividends for the last year, $4,463 62 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $11,000 00 

Average annual expen 2,500 00 



1868.] 



PUBLIC DOCUMENT— No. 8. 



11 



BRIGHTON FIVE CENTS SAVINGS BANK— BRIGHTON. 

[March 15.] 
Samuel Phillips, President. Treasurer, J. L. Ordway. 



Deposits, 


$32,077 47 




Profits, 








1,234 35 




Interest, 








37 00 




Dividend No. 11, 








561 51 




Public Funds, . 










$15,100 00 


Bank Stock, 










3,095 00 


Loans on Public Funds, 










8,000 00 


on Real Estate, 










3,040 00 


on Personal Security 


h 








4,000 00 


Suspense Account, . 










207 58 


Expense Account, 










68 10 


Cash on hand, . 










399 65 










$33,910 33 


$33,910 33 



Number of Depositors, 356 

Rate of ordinary dividends for the last year, . . . . . 5 per cent. 

Amount of ordinary dividends for the last year, $1,062 47 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . . $1,295 00 

Average annual expenses, 300 00 



BRISTOL COUNTY SAVINGS BANK— TAUNTON. 

[August 20.] 



Joseph Wilbar, President. 




Treasurer, George B. Atwood. 


Deposits, ....... 


$1,128,752 38 




Profits, . 


• • • 


34,598 55 




Suspense Account, 


» * • • 


9,038 04 




Public Funds, . 


■ . • • 




$390,877 50 


Bank Stock, 


• • • 




45,114 00 


Real Estate, 


• • • 




11,592 24 


Loans on Public Funds, 


i • • • 




15,175 00 


on Real Estate, 


• • • 




433,310 76 


on Personal Security, 




225,655 48 


to Counties, Cities and Towns, 




38,000 00 


Expense Account, ..... 




1,153 88 


Cash on hand, ...... 




11,510 11 






$1,172,388 97 


$1,172,388 97 



Number of Depositors, 5,037 

Rate of ordinary dividends for the last year, 6 per cent. 

Amount of ordinary dividends for the last year, $47,825 04 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, .... 14,477 00 

Average annual expenses, 4,500 00 



12 



BANK COMMISSIONER'S REPORT. 



[Jan. 



CAMBRIDGErORT SAVINGS BANK— CAMBRIDGE. 

[November 11.] 
Benjamin Tilton, President. Treasurer, Lucius R. Page. 



Deposits, ..... 

Profits, ..... 

Public Funds, « 

Bank Stock, .... 

Loans on Public Funds, . 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns, 
to Banks, on interest, 

Expense account, (four years,) . 

Cash on hand, .... 



1295,602 87 
37,527 11 



$333,129 98 



$93,908 41 

17,095 33 

500 00 

2,000 00 

156,950 00 

25,000 00 

4,500 00 

9,500 00 

10,779 39 

12,896 85 



$333,129 98 



Number of Depositors, 1,410 

Hate of ordinary dividends for the last year, 4 per cent. 

Amount of ordinary dividends for the last year, $7,750 89 

Last dividend of reserved profits, in 1863, 12,646 73 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, .... $5,000 00 

Average annual expenses, 825 00 



CANTON INSTITUTION FOR SAVINGS— CANTON. 

[July 23.] 
Charles H. French, President. Treasurer, F. W. Dean. 



Deposits, ....... 


$116,921 34 




Profits, .... 








7,282 88 




Loan, .... 








1,570 31 




Public Funds, . 










$25,100 00 


Bank Stock, 










8,900 00 


Beal Estate, 










400 00 


Loans on Public Funds, 










200 00 


on Ileal Estate, 










65,067 00 


on Personal Security, 








19,780 00 


to Counties, Cities and Towns, 




6,000 00 


Expense account, 




327 53 










$125,774 53 


$125,774 53 



Number of Depositors, 604 

Itate of ordinary dividends for the last year, 4£ per cent. 

Amount of ordinary dividends for the last year, $4,831 36 

Last dividend of reserved profits, in 1865, 6,037 20 

Kxtra dividends are made once -in Five years. 

Largest amount invested in the stock of any one bank, . . . . $6,700 00 

Average annual expenses, 1,000 00 



1868.] 



PUBLIC DOCUMENT— No. 8. 



13 



CAPE ANN SAVINGS BANK— GLOUCESTER. 

[November 27.] 

Charles Fitz, President. Treasurer, A. Presson. 



Deposits, ....... 


$327,923 14 




Profits, .... 






15,312 56 




Temporary Loan, 






1,126 56 




Public Funds, . 








$130,000 00 


Bank Stock, 








83,745 66 


Loans on Public Funds, 








631 60 


on Real Estate, 








49,285 00 


on Personal Security, 








700 00 


to Counties, Cities and Towns, 




79,500 00 


on Railroad Stock, .... 




500 00 








$344,362 26 


$344,362 26 



Number of Depositors, . 1,557 

Rate of ordinary dividends for the last year, * . 5 per cent. 

Amount of ordinary dividends for the last year, §14,672 97 

Average annual rate of dividends for the last five years, . . . 7-1 per cent. 

Last dividend of reserved profits, in 1866, $18,952 65 

Extra dividends are made once in Five years. 

Largest amount investea in the stock of any one bank, . . . . $10,698 50 

Average annual expenses, . . 1,400 00 

— » 



CAPE COD FIVE CENTS SAVINGS BANK— HARWICH. 

[August 2.] 
Nathaniel Snow, President. Treasurer, Obed Brooks. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 

Cash on hand, . . . 



$163,538 16 
545 44 



$164,083 60 



$40 800 00 

15,555 75 

41,732 68 

41,664 09 

21,000 00 

3,331 08 



$164,083 60 



Number of Depositors^ 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends for last five years, 
Last dividend of reserved profits, in 1861, 
Largest amount invested in the stock of any one bank, 
Average annual expenses, ..... 



1,364 
6 per cent. 

$8,868 72 
6 per cent. 

$14,555 7$ 
658 00 



14 



BANK COMMISSIONER'S REPORT. 



[Jan. 



CHARLESTOWN FIVE CENTS SAVINGS BANK— CHARLESTOWN. 

[October 3.] 
P. J. Stoke, President. Treasurer, Amos Stone. 



Deposits, . . . • . 


$609,337 09 




Profits, .... 






37,473 20 




Public Funds, .... 








$162,850 00 


Bank Stock, 








151,732 50 


Loans on Public Funds, . 








1,300 00 


on Hank Stock, 






» 


5,500 00 


on Real Estate, 








277,629 63 


on Personal Security, 








33,825 00 


Cash on hand, . 








13,973 16 








$646,810 29 


$646,810 29 



Number of Depositors, 3,724 

Rate of ordinary dividends for the last year, 5 per cent. 

Amount of ordinary aividends for the last year, $22,264 83 

Last dividend of reserved profits, in 1865, 18,157 62 

Extra dividends are made once in . . Three years. 

Largest amount invested in the stock of any one bank, .... $16,950 00 

Average annual expenses, . . . 1,000 00 



CHELSEA SAVINGS BANK— CHELSEA. 

[September 13.] 

John H. Osgood, President. Treasurer, Samuel Bassett. 



Deposits, . 


• • • • 


$275,645 81 




Profits, 


• • • • 


14,372 91 


• 


Public Funds, . 


• • • • 




$54,407 50 


Bank Stock, 


• • • • 




24,454 60 


Loans on Real Estate, 


• • • • 




135,220 00 


to Counties, Cities and Towns, 




72,272 50 


Expense account, 


• • • • 




1,026 94 


Cash on hand, . 


• • • • 




2,637 18 




$290,018 72 


$290,018 72 



Number of Depositors, 3,403 

Rate of ordinary dividends for the last year, 5 per cent. 

Amount of ordinary dividends for the last year, $10,304 08 

Average annual rate of dividends for last five years, .... 7 per cent. 

Last dividend of reserved profits, in 1864, $6,466 62 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $6,000 00 

Average annual expenses, 1,275 00 



1868.] 



PUBLIC DOCUMENT— No. 8. 



15 



CHICOPEE SAVINGS BANK— CHICOPEE. \ 

[June 29.] 
Jerome Wells, President. Treasurer, H. H. Harris. 



Deposits, 


. $168,910 58 




Profits, .... 








5,451 88 




Public Funds, . 










$29,200 00 


Bank Stock, 










10,200 00 


Loans on Public Funds, 










1,000 00 


on Bank Stock, 










4,000 00 


on Real Estate, 










73,976 04 


on Personal Security, 








46,620 00 


Cash on hand, » 








9,369 42 










.$174,365 46 


$174,365 46 



Number of Depositors, 

Eate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, . 

Average annual rate of dividends for last five years, 

Last dividend of reserved profits, in 1864, . 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, . 

Average annual expenses, . . . 



794 
5 per cent. 

$5,415 79 
7 per cent. 

$3,307 76 
Five years. 
$5,000 00 
450 00 



CITIZENS' SAVINGS BANK— FALL RIVER. ' 

[August 23.] 
Joseph Osborn, President. Treasurer, Edward E. Hathaway. 



Deposits, 


$1,014,422 76 




Profits, 


24,530 46 




Public Funds, 




$281,000 00 


Bank Stock, 




276,441 50 


Loans on Ileal Eslate, .... 




94,226 00 


on Personal Security, 




374,975 00 


to Counties, Cities and Towns, 




4,442 50 


Expense account, 




317 55 


Cash on hand, 




7,550 67 




$1,038,953 22 


$1,038,953 22 



Number of Depositors, . 1,984 

Rate of ordinary dividends for the last year, 7£ per cent. 

Amount of ordinary dividends for the last year, $35,863 41 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, .... 80,000 00 

Average annual expenses, 2,600 00 



16 



BANK COMMISSIONER'S REPORT. 



[Jan. 



CITY INSTITUTION FOR SAVINGS— LOWELL. 

[March 21.] 
Nathan Allen, President. Treasurer, John A. Buttrick. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns, 
to Banks, on interest, 

Expense Account, 

Cash on hand, . 



$1,846,620 24 
131,281 63 



,977,901 87 



$515,432 00 

308,625 00 

4,800 00 

22,400 00 

300,215 00 

114,000 00 

608,100 00 

100,000 00 

558 90 

3,770 97 



M 977,901 87 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends for last five years, 

Last dividend of reserved profits, in 1863, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



6,643 
4.V per cent. 
$69,099 30 
^iVtf per cent. 

$73,403 10 
Five years. 
$30,000 00 
4,100 00 



CLINTON SAVINGS BANK— CLINTON. 

[April 30.] 
Franklin Forbes, President. Treasurer, C. L. S. Hammond. 



Deposits, 


$187,450 60 




Profits, .... 






3,224 28 




Public Funds, . 








$86,600 00 


Bank Stock, 








20,000 00 


Loans on Public Funds, 








6,300 00 


on Bank Stock, 








1,325 00 


on Real Estate, 








19,225 00 


on Personal Security, 








22,825 00 


to Counties, Cities and Towns, 




33,000 00 


Cash on hand, 




1,399 88 




$190,674 88 


$190,674 88 


Number of Depositors, . . 


959 


Rate of ordinary dividends for the last year, . 






5 per cent. 


Amount of ordinary dividends for the last year, 






$7,618 60 


Average annual rate of dividends for last five year.' 


'» 




6} per cent. 


I^ast dividend of reserved profits, in 1866, 






$4,623 07 


Extra dividends arc made once in . 






Five years. 


Largest amount invested in the stock of any one bank, 




$20,000 00 


Average annual expenses, 


• 


• • 






550 00 



1868.] 



PUBLIC DOCUMENT— No. 8. 



17 



COHASSET SAVINGS BANK— COHASSET. 

[August 29.] 

Abraham H. Tower, President Treasurer, Levi N. Bates. 



Deposits, ....... 


$171,706 42 




Profits, ........ 


1,054 23 




Public Funds, 




$75,000 00 


Bank Stock, 


•> 


32,700 00 


Loans on Real Estate, .... 




48,500 00 


to Counties, Cities and Towns, 




16,500 00 


Cash on hand, 




60 65 




$172,760 65 


$172,760 65 



Number of Depositors, 669 

Rate of ordinary dividends for the last year, ...... 5 per cent. 

Amount of ordinary dividends for the last year, $7,689 49 

Average annual rate of dividends for last five years, * .. .. .. 7 per cent. 

Last dividend of reserved profits, in 1867, $11,355 46 

Extra dividends are made once in * Five years. 

Largest amount invested in the stock of any one bank, .... $3,000 00 

Average annual expenses, » 800 00 



DANVERS SAVINGS BANK— DANVERS. 

[October 15.] 

Rufus Putnam, President. Treasurer, William L. Weston. 



Deposits, .... 

Profits, . 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 






$394,403 18 
19,915 54 


$256,200 00 

72,500 00 

250 00 


on Bank Stock, 
on Real Estate, 
on Personal Security, 
Cash on hand, . 






• 


1,085 00 
56,125 00 

9,263 11 
18,895 61 








$414,318 72 


$414,318 72 



Number of Depositors, 1,903 

Rate of ordinary dividends for the last year, . . . . . . 5 per cent. 

Amount of ordinary dividends for the last year, $13,433 14 

Average annual rate of dividends for last five years, 6^ per cent. 

Last dividend of reserved profits, in 1865, $13,119 81 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . # . . . $18,000 00 

Average annual expenses, 800 00 



18 



BANK COMMISSIONER'S REPORT. 



[Jan. 



DEDHAM INSTITUTION FOR SAVINGS— DEDHAM. 

[January 24.] 
E. Burgess, President. Treasurer, C. Guild. 



Deposits, 


$625,287 91 




Profits, 


32,294 01 




Public Funds, 




$79,000 00 


Bank Stock, 




32,452 00 


Loans on Public Fuirts, .... 




3,000 00 


on Bank Stock, .... 




1,800 00 


on Real Estate, .... 




464,191 29 


on Personal Security, 




27,823 11 


to Counties, Cities and Towns, 




31,000 00 


to Banks, on interest, 




15,654 89 


Suspense account, 




110 29 


Cash on hand, 




• 2,550 34 




$657,581 92J 


$657,581 92 



Number of Depositors, 2,829 

Rate of ordinary dividends for the last year, 4 per cent. 

Amount of ordinary dividends for the last year, $23,357 49 

Average annual rate of divideds for five years, .... 6 65-100 per cent. 

Last dividend of reserved profits, in 1866, $48,057 03 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, .... $12,987 50 

Average annual expenses, 2,000 00 



DORCHESTER SAVINGS BANK— DORCHESTER. 

[September 6.] 
Daniel Denny, President. Treasurer, Edward Pierce. 



Deposits, 


$202,512 17 




Profits, 


12,274 56 




Public Funds, 




$61,876 00 


Bank Stock, 




28,275 00 


Loans on Public Funds, .... 




4,500 00 


on Real Estate, .... 




78,400 00 


on Personal Security, 




30,800 00 


to Counties, Cities and Towns, 




4,000 00 


Cash on hand, 




6,935 73 




$214,786 73 


$214,786 73 



Number of Depositors, 1,017 

Rate of ordinary dividends for tfie last year, 5 per cent. 

Amount of ordinary dividc-ndsTOr the last year, $8,212 12 

Last dividend of reserved profits, in 1863. 

I'.xtra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, .... $4,000 00 

Average annual expenses, 700 00 



1868.] 



PUBLIC DOCUMENT— No. 8. 



19 



EAST BOSTON SAVINGS BANK— BOSTON. 

[February 7.] 
Ebenezer Atkins, President. Treasurer, Albert Bowker. 



Deposits, 


$245,524 64 




Profits, .... 


• • • 


16,078 67 




Dividend No. 36, 


i • • • 


4,549 21 




Public Funds, . 


• • • 




$115,000 00 


Bank Stock, 


• • • 




50,047 70 


Loans on Public Funds, 


i • ♦ • 




5,700 00 


on Bank Stock, 


i • • • 




11,500 00 


on Real Estate, 


• • • 




65,058 75 


on Personal Security, 




4,150 00 


to Counties, Cities and Towns, 




8,850 00 


to Banks, on interest, 




5,489 60 


Expense account, 




2 50 


Cash on hand, 




353 97 






$266,152 52 


$266,152 52 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, . 

Average annual rate of dividends for last five years, 

Last dividend of reserved profits, in 1864, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, . 

Average annual expenses, 



1,028 

5 per cent. 

$10,634 66 

6 per cent. 

$5,008 96 
Five years. 
$10,000 00 
1,200 00 



ELIOT FIVE CENTS SAVINGS BANK*— ROXBURY. 

[January 16.] 
"William S. Leland, President. Treasurer, C. R. Washburn. 



Deposits, 


$150,352 45 




Profits, 






3,668 40 




Public Funds, .... 








$47,960 00 


Bank Stock, 








48,200 00 


Loans on Public Funds, . 








1,792 00 


on Bank Stock, 








350 00 


on Real Estate, 








24,500 00 


on Personal Security, 








19,000 00 


on Railroad Stock, . 








10,000 00 


Expense account, 








622 35 


Cash on hand, . 








1,596 50 








$154,020 85 


$154,020 85 



Rate of ordinary dividends for the last year, ..>... 4 per cent. 

Amount of ordinary dividends for the last year, $3,753 02 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, .... $12,000 00 

Average annual expenses, 800 00 



20 



BANK COMMISSIONER'S REPORT. 



[Jan. 



ESSEX SAVINGS BANK— LAWRENCE. . 
[October 17.] 
George D. Cabot, President. Treasurer, James H. Eaton. 



Deposits, 


$877,974 06 




Profits, 


124,394 71 




Public Funds, 




$446,500 00 


Bank Stock, 




159,350 00 


Loans on Public Funds, .... 




9,700 00 


on Bank Stock, .... 




150 00 


on Real Estate, .... 




76,840 00 


on Personal Security, 




90,550 00 


to Counties, Cities and Towns, 




108,000 00 


to Banks, on interest, 




28,000 00 


Expense account, 




3,238 67 


Cash on hand, 




80,040 10 




$1,002,368 77 


$1,002,368 77 



Number of Depositors, 4,221 

Rate of ordinary dividends for the last year, 4 per cent. 

Amount of ordinary dividends for the last year, $28,271 19 

Average annual rate of dividends for the last five years, . . . 10.04 per cent. 

Last dividend of reserved profits, in October, 1867, .... $104,959 1 1 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, .... $19,500 00 

Average annual expenses, 2,250 00 



FAIRHAVEN INSTITUTION FOR SAVINGS— FAIRHAVEN. 


[August 21.] 




Isaiah F. Terry, President. Treasure 1 ) 


•, Charles Drew. 


Deposits, 


$270,716 72 




Profits, 


» • • • 


15,126 46 




Public Funds, . 


• • • • 




$112,000 00 


Bank Stock, 


t •> • • 




105,000 00 


Real Estate, 


i • • • 




3,500 00 


Loans on Public Funds, 


► • • • 




4,600 00 


on Bank Stock, 


i • • • 




15,794 56 


on Real Estate, 


• • • 




5,581 32 


on Personal Securit 


r» • 




11,189 08 


to Counties, Cities and Towns, 




19,600 00 


to Banks, on interest, 




6,000 00 


on Railroad Stock, .... 




2,500 00 


Cash on hand, 




78 22 






$285,843 18 


$285,843 18 



Number of Depositors, 795 

Kate of ordinary dividends for the last year, 7 per cent. 

Amount of ordinary dividends for the last year, $15,924 0-! 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, .... 20,100 00 

Average annual exjien 1,000 00 



1868.] 



PUBLIC DOCUMENT— No. 8. 



21 



FALL RIVER FIVE CENTS SAVINGS BANK— FALL RIVER. 

[August 23.] 
S. Angier Chace, President. Treasurer, C. J. Holmes. 



Deposits, 


$423,029 51 




Interest, .... 






15,049 72 




Public Funds, . 








$237,000 00 


Bank Stock, .... 








138,000 00 


Railroad Bonds, 








20,000 00 


Loans on Real Estate, 








450 00 


on Personal Security, 








38,000 00 


Expense account, 








1,171 53 


Cash on hand, . 








3,457 70 








$438,079 23 


$438,079 23 



Number of Depositors, . . . 3,212 

Rate of ordinary dividends for the last year, 7£ per cent. 

Amount of ordinary dividends for the last year, $25,070 73 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, .... 30,000 00 

Average annual expenses, 1,100 00 



FALL RIVER SAVINGS BANK— FALL RIVER. 

[August 23.] 
J. B. French, President. Treasurer, J. F. Lindsey. 



Deposits, 


$2,522,344 06 




• Interest, 




195,785 94 




Public Funds, ..... 






$999,100 00 


Bank Stock, ..... 






587,600 00 


Real Estate, . . . ..'."< 






12,000 00 


Loans on Real Estate, 






192,787 00 


on Personal Security, 






885,903 00 


to Counties, Cities, and Towns, 




10,000 00 


Cash on hand, 




30,740 00 






$2,718,130 00 


$2,718,130 00 



Number of Depositors, 

Rate of ordinary, dividends for the last year, ... 

Amount of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . 

Average annual expenses, 



6,879 
7£ per cent. 
$160,545 85 

75,600 00 
3,500 00 



22 



BANK COMMISSIONER'S REPORT. 



[Jan. 



FITCHBURG SAVINGS BANK— FITCHBURG. 

[April 10.] 
Nathaniel Wood, President. Treasurer, Ebenjezer Torrey. 



Deposits, 


$1,089,609 77 




Profits, 


29,391 87 




Public Funds, 




$225,000 00 


Bank Stock, 




162,300 00 


Loans on Public Funds, .... 




26,250 00 


on Bank Stock, . . . . 




2,000 00 


on Real Estate, .... 




316,701 24 


•on Personal Security, 




166,870 49 


to Counties, Cities and Towns, 




175,300 00 


on Railroad Stock, . . . . 




24,000 00 


Expense account, 




783 47 


Cash on hand, 




19,796 44 




$1,119,001 64 


$1,119,001 64 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, . 
Average annual rate of dividends for last five years, 
Last dividend of reserved profits, in 1866, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, . 
Average annual expenses, 



4,600 

5 per cent. 

$50,608 78 

6 per cent. 

$45,236 78 
Five years. 
$20,000 00 
2,200 00 



FOXBOROUGH FIVE CENTS SAVINGS BANK— FOXBOROUGH. 

[September 18.] 
Otis Cary, President. Treasurer, William H. Thomas. 



Deposits, 


$48,292 45 




Profits, 


817 14 




Public Funds, 




$7,300 00 


Bank Stock, 




4,700 00 


Loans on Real Estate, .... 




26,535 00 


on Personal Security, 




900 00 


to Counties, Cities, and Towns, 




2,000 00 


Cash on hand, 




7,674 59 




$49,109 59 


$49,109 59 



Number of Depositors, 432 

Rate of ordinary dividends for the last year, 5 per cent. 

Amount of ordinary dividends for the last year, $1,813 48 

Average annual rate of dividends for last five years, 7i per cent. 

Last dividend of reserved profits, in 1866, $1,686 97 

Extra dividends are made once in Five yen is. 

Largest amount invested in the stock of any one bank, . . . $1,200 00 

Average annual expenses, 150 00 



1868.] 



public document—No. 8. 



23 



FRAMINGHAM SAVINGS BANK— FRAMINGHAM. 

[December 6.] 
Moses Edgell, President. Treasurer, C. S. Adams. 



Deposits, . 

Profits, 

Cash Payable, 

Public Funds, 

Bank Stock, 

Railroad Bonds, 

Real Estate, 

Loans on Public Funds, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns 

Expense Account, 

Cash on hand, .... 



1384,029 25 
14,719 40 
10,310 25 



$409,058 90 



$115,000 00 
91,800 00 
25,000 00 

1,500 00 

28,850 00 

111,783 00 

3,900 00 
20,025 00 

1,040 07 
10,160 83 



$409,058 90 



Number of Depositors, . . " . 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends for last five years, 

Last dividend of reserved profits, in 1866, ' [. 

Extra dividends are made once in % 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,772 
5 per cent. 
$18,049 43 
7 j- 3 ^- per cent. 
$15,816 93 
Five years. 
$16,500 00 
1,150 00 



FRANKLIN SAVINGS BANK— BOSTON. 

[February 1.] 
Osmyn Brewster, President. Treasurer, Henry Whittemore. 



Deposits, 


$653,833 06 




Profit and Loss, .... 






47,637 32 




Interest, . 






3,307 48 




Public Funds, . 








$412,302 50 


Bank Stock, 








71,291 71 


Loans on Real Estate, 








132,250 00 


on Personal Security, 








9,750 00 


on Railroad Bonds, 








9,737 50 


to Banks, on interest, 








68,262 09 


Expense account, 








327 92 


Cash on hand, . 








906 14 








$.704,827 86 


$704,827 86 



Number of Depositors, 2,526 

Rate of ordinary dividends for the last year, . . . . . 4 per cent. 

Amount of ordinary dividends for the last year, $16,838 52 

Average annual rate of dividends for last three years, .... 7 per cent. 

Last dividend of reserved profits, in 1864, $5,797 50 

Extra dividends are made once in 'Three years. 

Largest amount invested in the stock of any one bank, . . . $24,417 75 

Average annual expenses, 3,000 00 



24 



BANK COMMISSIONER'S REPORT. 



[Jan. 



FRANKLIN SAVINGS INSTITUTION— GREENFIELD. 

[June 20.] 
Henry W. Clapp, President. Treasurer, William Henry Allen. 



Deposits, 


$1,002,549 67 




Profits, 


27,487 67 




Public Funds, 




$605,300 00 


Bank Stock, .*.... 




52,600 00 


Loans on Public Funds, . 




21,135 00 


on Bank Stock, .... 




34,050 00 


on Beal Estate, .... 




160,635 00 


on Personal Security, 




72,980 17 


to Counties, Cities and Towns, 




51,517 86 


to Banks, on interest, 




10,000 00 


Expense Account, . . . . . 




2,466 86 


Cash on hand, 




19,352 45 




$1,030,037 34 


$1,030,037 34 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends for last five years, 
Last dividend of reserved profits, in January, 1867, 
Extra dividends are made once in . 
Largest amount invested in the stock of any one bank, 
Average annual expenses, 



3,836 
5 per cent. 

$39,737 42 
8 per cent. 

$74,085 15 
Five years. 
$20,400 00 
2,000 00 



HAMPDEN SAVINGS BANK— SPRINGFIELD. 

[June 28.] 
Stephen C. Bemis, President. Treasurer, F. S. Bailey. 



Deposits, ....... 


$360,305 01 




Profits, . . . . 


• • • 


29,864 60 




Public Funds, . 


• • • 




$106,395 00 


Bank Stock, 


■ • • • 




82,390 50 


Railroad Bonds, 


■ ■ • a 




5,000 00 


Loans on Public Funds, 


i • • ■ 




17,600 00 


on Bank Stock, 


* • • 




7,700 00 


on Real Estate, 


» • • • 




123,950 00 


on Personal Security, 




22,016 15 


to Counties, Cities and Towns, 




22,000 00 


Expense Account, 




1,123 17 


Cash on hand, ...... 




1,994 79 






$390,169 61 


$390,169 61 



Number of Depositors, 1,164 

Rate of ordinary dividends for the last year, 5 per cent. 

A mount of ordinary dividends for the last year, $13.520 11 

Average annual rate of dividends for last five years, .... 6 per cent. 

La-t dividend of reserved profits, in 1863, $5,368 71 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one hank, .... $19,81400 

Average annual expenses, 1,000 00 



1868.] 



PUBLIC DOCUMENT— No. 8. 



25 



HAVERHILL SAVINGS BANK— HAVERHILL. 

[October 8.] 

John A. Appleton, President. Treasurer, A. B. Jaques. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns, 

Expense Account, 

Cash on hand, . 



$1,221,822 82 
80,660 56 



$1,302,483 38 



$468,000 00 

269,600 00 

200 00 

7,150 00 

452,375 00 

20,000 00 

43,400 00 

4,222 24 

37,536 14 



L,302,483 38 



Number of Depositors, 5,260 

Rate of ordinary dividends for the last year, 5 per cent. 

Amount of ordinary dividends for the last year, $48,577 39 

Average annual rate of dividends for the last five years, ... 6^ per cent. 

Last dividend of reserved profits, in 1864, $44,675 22 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, .... $24,000 00 

Average annual expenses, 2,000 00 



HINGHAM INSTITUTION FOR SAVINGS— HINGHAM. 

[September 15.] 
Atherton Tilden, President. Treasurer, Henry C. Harding. 



Deposits, 


$812,781 75 




Profits, 


33,653 74 




Suspense Account, 


297 91 




Public Funds, 




$268,105 00 


Bank Stock, 




128,000 00 


Real Estate, 




1,921 03 


Loans on Public Funds, .... 




10,400 00 


on Bank Stock, .... 




6,150 00 


on Real Estate, .... 




401,430 00 


on Personal Security, 




9,000 00 


to Counties, Cities and Towns, 




13,000 00 


Expense account, 




767 14 


Cash on hand, . ... 




7,960 23 


• 


$846,733 40 


$846,733 40 



Number of Depositors, 2,862 

Rate of ordinary dividends for the last year, 5£ per cent. 

Amount of ordinary dividends for the last year, $42,279 83 

Average annual rate of dividends for last five years, . . . . 6| per cent. 

Last dividend of reserved profits, in 1865, . . . . . . $29,696 41 

Extra dividends are made onfle in Five years. 

Largest amount invested in the stock of any one bank, . . . $15,000 00 

Average annual expenses, 1,755 87 



26 



BANK COMMISSIONER'S REPORT, 



[Jan. 



HOLYOKE SAVINGS BANK— HOLYOKE. 

[June 27.] 

Joel Russell, President. Treasurer, R. B. Johnson. 



Deposits, 


$131,851 82 




Profits, ....... 


3,553 53 




Public Funds, 




$18,553 79 


Bank Stock, 




10,919 50 


Loans on Public Funds, .... 




4,550 00 


on Real Estate, .... 




29,028 00 


on Personal Security, 




46,849 00 


to Counties, Cities and Towns, 




16,775 00 


Expense Account, 




450 32 


Cash on hand, ... . . . 




8,279 74 




$135,405 35 


$135,405 35 



Rate of ordinary dividends for the last year, 5 per cent. 

Amount of ordinary dividends for the last year, $4,047 93 

Average annual rate of dividends for last five years, .... 7 per cent. 

Last dividend of reserved profits, in 1865, $1,736 37 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, .... $5,535 00 

Average annual expenses, 450 00 



INSTITUTION FOR SAVINGS— NEWTON. 

[March 13.] 

George Hyde, President. Treasurer, E. J. Collins. 



Deposits, 


$80,428 52 




Profits, 


2,413 99 




Temporary Loan, 


400 00 




Public Funds, 




$9,500 00 


Bank Stock, ...... 




4,805 00 


Loans on Public Funds, .... 




4,000 00 


on Real Estate, .... 




55,576 80 


on Personal Security, 




5,400 00 


to Counties, Cities and Towns, 




3,125 00 


Expense Account, 




247 55 


Cash on hand, 




588 16 




$83,242 51 


$83,242 51 



Number of Depositors, 594 

Rate of ordinary dividends for the last year, 5 per cent. 

Amount of ordinary dividends for the last year, $2,902 07 

Average annual rate of dividends for last five years, .... 5 1-20 per ct. 

L Bit dividend of reserved profits, in 1864, $205 41 

Extra dividends are made once in Five years. 

I.arirrvt amount invested in the stock of any one bank, . . . . $2,000 00 

Average annual expenses, 150 00 



1868.] 



PUBLIC DOCUMENT— No. 8. 



27 



INSTITUTION" FOR SAVINGS— NEWBURYPORT. 

[November 19.] 
Edward S. Morley, President Treasurer, Richard Stone. 



Deposits, . 

Profits, 

First National Bank, 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Stock of the Fifty Associates, 

Loans on Public Funds, . 
to Corporations, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns 

Annuity in Trust, 

Expense Account, 

Cash on hand, .... 



$2,299,368 44 

17,828 64 

5,311 51 



12,322,508 59 



$785,645 13 

769,000 00 

24,700 00 

25,000 00 

26,050 00 

1,150 00 

3,500 00 

359,268 22 

41,000 00 

278,200 00 

8,408 81 

4 40 

522 03 



$2,322,508 59 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, . 

Average annual rate of dividends for last five years, 

Last dividend of reserved profits, in 1865, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



7,420 

7 per cent. 
$141,547 63 

8 per cent. 
$102,045 39 

Five years. 
$50,800 00 
4,400 00 



INSTITUTION FOR SAVINGS IN ROXBURY— ROXBURY. 

[January 10.] 
Almon D. Hodges, President. Treasurer, William Whiting. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns, 

Cash on hand, . 



$961,396 48 
47,653 03 



$1,009,049 51 



$404,088 65 
180,366 97 
66,450 00 
12,290 00 
157,325 00 
76,000 00 
73,000 00 
39,528 89 



$1,009,049 51 



Number of Depositors, . . ' . 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, . 

Average annual rate of dividends for last five years, 

Last dividend of reserved profits, in October, 1865, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



3,726 
4 per cent. 

$31,640 26 
7| per cent. 

$76,845 42 
Five years. 
$40,272 50 
2,800 00 



28 



BANK COMMISSIONER'S REPORT. 



[Jan. 



LANCASTER SAVINGS BANK— LANCASTER. 

[April 30.] x 
Henry "Wilder, President. Treasurer, C. T. Symmes. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 

Cash on hand, . 



$382,399 51 
9,896 29 



$392,295 80 



$240,785 00 

46,300 00 

2,000 00 

88,427 28 

8,616 67 

6,166 85 



$392,295 80 



Number of Depositors, 1,559 

Rate *f ordinary dividends for the last year, 5 per cent. 

Amount of ordinary dividends for the last year, $16,982 96 

Average annual rate of dividends for last five years, .... 7 per cent. 

Last dividend of reserved profits, in 1866, . . . . . . $20,855 64 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, .... $8,300 00 

Average annual expenses, 843 00 



LEE SAVINGS BANK— LEE. 

[May 22.] 



H. Garfield, President. 






Treasurer, I. M. Howk. 


Deposits, .... 
Profits, 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
Expense account, 
Cash on hand, . 






$138,338 16 
4,260 08 


$108,300 00 

9,957 83 

15,800 00 

2,500 00 

714 66 

5,325 75 








$142,598 24 


$142,598 24 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . 

Average annual expenses, 



748 
6 per cent. 
$5,357 16 

$5,424 50 
410 00 



1868.] 



PUBLIC DOCUMENT— No. 8. 



29 



LOWELL FIVE CENTS SAVINGS BANK— LOWELL. 

[March 21.] 
Horatio Wood, President. Treasurer, A. S. Tyler. 



Deposits, 


$987,036 33 




Public Funds, 




$277,940 00 


Bank Stock, ...... 




114,000 00 


Loans on Public Funds, . 




46,500 00 


on Railroad Bonds, . 




15,705 00 


on Bank Stock, .... 




7,450 00 


on Real Estate, .... 




310,340 00 


on Personal Security, 




11,850 00 


to Counties, Cities and Towns, 




156,695 00 


to Banks, on interest, 


» 


40,000 00 


Profits, 




4,742 96 


Expense Account, 




52 30 


Cash on hand, . . . . . 




1,761 07 




$987,036 33 


$987,036 33 



Number of Depositors, 5,328 

Rate of ordinary dividends for the last yeaV, 4£ per cent. 

Amount of ordinary dividends for the last year, $32,301 20 

Average annual rate of dividends for last three years, 7£ per cent. 

Last dividend of reserved profits, in 1866, $52,328 52 

Extra dividends are made once in . . Three years. 

Largest amount invested in the stock of any one bank, .... $15,000 00 

Average annual expenses, 2,600 00 



LOWELL INSTITUTION FOR SAVINGS— LOWELL. 

[March 22.] 
Theodore Ed son, President. Treasurer, James G. Carney. 



Deposits, . 

Profit and Loss, . 

Lowell National Bank, 

Public Funds, . 

Bank Stock, 

Real Estate, 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 

to Banks, on interest, 

Cash on hand, . 



$1,199,476 88 

56,338 49 

205 46 



$1,256,020 83 



$671,000 00 

20,300 00 

20,334 06 

21,557 39 

3,000 00 

386,825 00 

133,000 00 

4 38 



$1,256,020 83 



Number of Depositors, 4,874 

Rate of ordinary dividends for the last year, 4 per cent. 

Amount of ordinary dividends for the last year, $39,680 86 

Average annual rate of dividends for the last five years, . . . 8.339 per ct. 

Last dividend of reserved profits, in 1865, $173,655 84 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, .... $14,000 00 

Average annual expenses, 3,100 00 



30 



BANK COMMISSIONER'S REPORT. 



[Jan. 



LYNN FIVE CENTS SAVINGS BANK— LYNN. 

[October 2.] 
T. B. Newhall, President. . Treasurer, B. V. French. 



Deposits, 


$364,548 06 




Profits, 


6,866 75 




Suspense Account 


6 00 




Public Funds, 




8111,465 81 


Bank Stock, 




31,490 00 


Railroad Bonds, 




10,000 00 


Loans on Bank Stock, .... 




5,200 00 


on Real Estate, .... 




156,095 00 


on Personal Security, 




12,090 00 


to Counties, Cities and Towns, 




23,000 00 


to Banks, on interest, 




5,000 00 


Expense Account, 




311 66 


Cash on hand, 




16,768 34 




$371,420 81 


$371,420 81 



Number of Depositors, 3,162 

Rate of ordinary dividends for the last year, . ' 6£ per cent. 

Amount of ordinary dividends for the last year, $16,337 13 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, .... $13,491 75 

Average annual expenses, 1,300 00 



LYNN INSTITUTION FOR SAVINGS— LYNN. 

[October 2.] 
James N. Sanderson, President. Treasurer, Amos Rhodes. 



Deposits, 


$487,813 66 




Profits, 


33,252 04 




Interest, 


307 37 




Public Funds, 




$99,000 00 


Bank Stock, 




46,500 00 


Loans on Public Funds, .... 




5,600 00 


on Bank Stock, .... 




5,350 00 


on Real Estate, .... 




176,708 00 


on Personal Security, 




29,875 00 


to Counties, Cities and Towns, 


. 


133,700 00 


to Banks, on interest, 




23,407 37 


Cash on hand, 




1,232 70 




$521,373 07 


$521,373 07 



Rate of ordinary dividends for the last year, 5 per cent. 

Amount of ordinary dividends for the last year, $20,033 11 

Average annual rate of dividends for last five years, .... 6 per cent. 

Last dividend of reserved profits, in 1866, $11,827 79 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . . $10,000 00 

Average annual expenses, 1,900 00 



1868.] 



PUBLIC DOCUMENT— No. 8. 



31 



MALDEN SAVINGS BANK— MALDEN. 

[October 3.] 

Henry Barrett, President. - Treasurer, Charles Merrill. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 

Expense Account, 

Cash on hand, . 



$67,282 43 
1,639 93 



$68,922 36 



$20,000 00 

2,000 00 

29,140 00 

4,000 00 

10,900 00 

556 00 

2,326 36 



$68,922 36 



Number of Depositors, 874 

Rate of ordinary dividends for the last year, 6 per cent. 

Amount of ordinary dividends for the last year, $2,794 63 

Last dividend of reserved profits, in 1865, $1,030 00 

Extra dividends are made once in . Five years. 

Largest amount invested in the stock of any one bank, .... $2,000 00 

Average annual expenses, 300 00 



MARLBOROUGH SAVINGS BANK— MARLBOROUGH. 

[May 7.] 
Mark Fay, President. Treasurer, E. C. Whitney. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Loans on Real Estate, 

on Personal Security, 
Cash on hand, . 



$130,902 03 
1,757 94 



$132,659 97 



$62,000 00 

- 13,000 00 

25,000 00 

24,400 00 

2,400 00 

5,859 97 



$132,659 97 



Number of Depositors, . . 688 

Rate of ordinary dividends for the last year, -. 8 per cent. 

Amount of ordinary dividends for the last year, $4,846 42 

Average annual rate of dividends for last five years, 5£ per cent. 

Last dividend of reserved profits, in 1865, ...... $755 67 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $13,000 00 

Average annual expenses, 800 00 



32 



BANK COMMISSIONER'S REPORT. 



[Jan. 



MECHANICS' SAVINGS BANK— LOWELL. 

[March 22.] 

William A. Brooke, President. Treasurer, John F. Rogers. 



Deposits, 


$520,598 85 




Profits, 








21,243 23 




Public Funds, . 










$335,800 00 


Bank Stock, 










95,350 00 


Railroad Bonds, 










25,000 00 


Loans on Public Funds, # , 










500 00 


on Real Estate, 










22,750 00 


on Personal Security, 








600 00 


on Railroad Bonds,. 








4,500 00 


to Cities and Towns, 








35,000 00 


to Banks, on interest, 








20,000 00 


Expense Account, 








479 79 


Cash on hand, .... 








1,862 29 










$541,842 08 


$541,842 08 



Number of Depositors, 1,755 

Eate of ordinary dividends for the last year, 5 per cent. 

Amount of ordinary dividends for the last year, $16,770 74 

Average annual rate of dividends for last three years, .... 8 per cent. 

Last dividend of reserved profits, in 1864, $5,915 58 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank. .... $15,000 00 

Average annual expenses, 1,000 00 



MERCANTILE SAVINGS INSTITUTION— BOSTON. 

[November 23.] 
George W. Messinger, President. Treasurer, Anson J. Stone. 



Deposits, 




$383,576 04 




Capital Stock, . 




► . . 




204,900 00 


- 


Profits, 




■ . . 




8,448 09 




Suspense Account, 




» . . 




843 36 




Public Funds, . 




i . . 






$82,050 00 


Bank Stock, 




* . . 






3,800 00 


Real Estate, 




* • • 






15,666 47 


Loans on Public Funds, . 


. . 






3,000 00 


on Railroad Stock, 


. . 






6,000 00 


on Real Estate, 


. . 






415,453 27 


on Personal Security, 






33,125 00 


to Counties, Cities and Towns, 






25,000 00 


Expense Account, .... 






1,220 34 


Cash on hand, 






12,452 41 




$597,767 49 


$597,767 49 








1,005 


Rate of ordinary dividends for the last year, 


[tode 


positors,] . 


5 per cent. 


Amount of ordinary dividends for the last year, . 


. 


$5,334 04 


Laigeel amount invested in the stock of any 


one b 


ank, 


2,000 00 












6,660 00 



f 



1868.] 



PUBLIC DOCUMENT— No. 8. 



33 



MIDDLESEX INSTITUTION FOR SAVINGS— CONCORD. 

[March 25.] 
George M. Brooks, President. Treasurer, John M. Cheney. 



Deposits, . 

Profits, 

Interest, 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 

Interest paid, 

Expense Account, 

Cash on hand, . 



$702,903 94 
20,176 43 

72 



9,369 



$732,450 09 



$138,000 00 

222,500 00 

289,334 00 

9,175 11 

47,568 47 

13,494 39 

' 902 87 

11,475 25 



$732,450 09 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends for last five years, 

Last dividend of reserved profits, in 1865, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



2,934 
4 per cent. 
$25,157 08 
7| per cent. 

$95,667 21 
Five years. 
$16,700 00 
2,500 00 



MILFORD. SAVINGS BANK— MILFORD. 

[April 23.] 

Orison Underwood, President. Treasurer, A. G. Underwood. 



Deposits, ....... 


$210,500 m 




Profits, . . . . 






9,963 50 




Public Funds, . 








$46,100 00 


Bank Stock, 








17,700 00 


Loans on Public Funds, 








7,400 00 


on Bank Stock, 








13,234 0O 


on Real Estate, 








46,516 00 


on Personal Security, 








2.6,050 00 


to Counties, Cities and Towns, 




52,700 0O 


Cash on hand, 




10,764 36 








$220,464 36 


$220,464 36 



Number of Depositors, 1,319 

Rate of ordinary dividends for the last year, ...... 5 per cent. 

Amount of ordinary dividends for the last year, $7,914 64 

Average annual rate of dividends for last five years, .... 6£ per cent. 

Last dividend of reserved profits, in 1862, $3,271 45 

Extra dividends are made once in Five vears. 

■r 

Largest amount invested in the stock of any one bank, . . . . $8,000 00 

Average annual expenses, 800 00, 



34 



BANK COMMISSIONER'S REPORT. 



[Jan. 



MILLBURY SAVINGS BANK— MILLBURY. 

[April 2G.] 

Thomas J. Harrington, President. Treasurer, David Atwood. 



Deposits, . 

Profits, 

Interest, 

Public Funds, 

Bank Stock, 

Loans on Real Estate, 

to Counties, Cities and Towns, 
to Banks, on interest, 

Expense Account, 



§115,176 34 
3,673 32 
1,766 23 



$120,615 89 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, . . 

Average annual rate of dividends for last five years, 

Last dividend of reserved profits, in 1864, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



$57,500 00 

17,500 00 

21,475 00 

20,000 00 

3,769 62 

371 27 



$120,615 89 



556 

5 per cent. 

$4,666 88 

6 per cent. 

$1,788 62 
Five years. 
$5,500 00 
400 00 



NANTUCKET INSTITUTION FOR SAVINGS— NANTUCKET. 

[August 5.] 
George Cobb, President. • Treasurer, Matthew Barney. 



Deposits, ....... 


$330,438 98 




Profits, 


• • • 






5,345 47 




Public Funds, 


» • • 








$50,148 00 


Bank Stock, 


• • t 








104,056 00 


Real Estate, 


» • • 








8,000 00 


Loans on Public Funds, . 








6,400 00 


on Bank Stock, 








614 00 


on Real Estate, 








132,129 03 


on Personal Security, 








27,799 96 


on Railroad Stock, . 








800 00 


to Banks, on interest, 








334 69 


Expense Account, 








494 08 


Cash on hand, . 






5,008 09 










$335,784 45 


$335,784 45 



Number of Depositors, 1,215 

Bate of ordinary dividends for the last year, 7 per cent. 

Amount of ordinary dividends for the last year, $21,566 76 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . . 17,800 00 

Average annual expen • 1,2-35 00 



1868.] 



PUBLIC DOCUMENT— No. 8. 



35 



NATICK FIVE CENTS SAVINGS BANK— NATICK. 

[December 5.] 
John Kimball, President. Treasurer, Nathaniel Clark. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 

Cash on hand, . . . . 



$59,048 04 
1,414 85 



$60,462 89 



Number of Depositors, 

Kate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, . 
Average annual rate of dividends for last five years, 
Average annual expenses, . . 



$7,500 00 

518 75 

31,295 00 

1,600 00 

19,500 00 

49 14 



,462 89 



521 

5 per cent. 

$1,192 09 
5 per cent. 

$350 00 



NEW BEDFORD FIVE CENTS SAVINGS BANK— NEW BEDFORD. 

[August 21.] 
George Howland, President. . Treasurer, B. Ricketson, Jr. 



Deposits, . . . . ... 


$1,346,484 96 




Profits, ....... 


80,207 23 




Public Funds, 




$781,250 00 


Bank Stock, 




31,000 00 


Loans on Public Funds, .... 




111,455 00 


on Bank Stock, .... 




3,240 00 


on Real Estate, .... 




167,936 16 


on Personal Security, 




294,491 68 


on Railroad Stock, .... 




5,300 00 


to Counties, Cities and Towns, 




28,660 00 


Expense Account, 




1,375 65 


Cash on hand, . . . 




1,983 70 




$1,426,692 19 


$1,426,692 19 



Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . 

Average annual expenses, 



7 per cent. 

$72,956 75 

10,000 00 

4,000 00 



36 



BANK COMMISSIONER'S REPORT. 



[Jan. 



NEW BEDFORD INSTITUTION FOR SAVINGS— NEW BEDFORD. 

[August 22.] 
Thomas Mandell, President. Treasurer, William C. Coffin. 



Deposits, 


§54,072,439- 81 


• 


Profits, 


192,224 94 




Public Funds, 




$2,334,146 25 


Bank Stock, 




981,750 00 


Railroad Bonds, 




14,150 00 


Real Estate, 




6,035 25 


Loans on Public Funds, .... 




37,110 00 


on Bank Stock, .... 




9,570 25 


on Real Estate, .... 




31,000 00 


on Personal Securit}', 




607,760 68 


to Counties, Cities and Towns, 




154,865 00 


to Banks, on interest, 




33,586 83 


on Railroad Stock, .... 




12,750 00 


Expense Account, 




1,466 44 


Cash on hand, . ..... 


■ 


40,474 05 




J $4,264,664 75 


$4,264,664 75 






11,819 


Rate of ordinary dividends for the last year, . 


• * 4 # 4 


7 per cent. 


Amount of ordinary dividends for the last 3 7 ear, 


• # t 


8243,501 65 


No extra .dividends are made. 






Largest amount invested in the stock of any one hank, . 


100,000 00 


Average annual expenses, 


• • • 


6,378 43 



NEWBURYPORT FIVE CENTS SAYINGS BANK— NEWBURYPORT. 

[November 19.] 
David Wood, President. Treasurer, J. A. Maynard, 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Loans on Public Funds, 

on Bank Stock, 

on Real Estate, 

on Personal Securit 

to Counties, Cities and Towns 

to Banks, on interes 
Expense Account, 
Cash on hand, . 



$352,743 94 
2,629 73 



$121,730 00 

77,192 00 

16,437 00 

4,300 00 

700 00 

68,755 00 

31,573 00 

29,750 00 

5,897 14 

89 13 

950 40 



£:r>5,373 67 $355,378 67 



X umber of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
I^ir^ot amount inv< Bted in (lie stock of any one bank, . 
Average annual expense**, . . . ' 



2,688 

6$ per cent. 
119,001) 95 
186 00 
1,200 00 



1868.] 



PUBLIC DOCUMENT— No. 8. 



37 



NORTHAMPTON INSTITUTION FOR SAVINGS— NORTHAMPTON. 

[June 27.] 
Benjamin Barrett, President. Treasurer, L. Maltby. 



Deposits, . 


• • • • 


$614,060 75 




Profits, 


• 






17,759 40 




Public Funds, . 


• 








$322,063 51 


Bank Stock, 


• 4 








33,900 00 


Loans on Public Funds, 


• 








18,075 00 


on Bank Stock, 


• 








9,820 00 


on Real Estate, 


• * 








127,036 00 


on Personal Security, 








82,351 00 


to Counties, Cities 


and Towns, 




23,300 00 


Cash on hand, . 


• . • . 




15,274 64 










$631,820 15 


$631,820 15 



Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, . 
Average annual rate of dividends for the last five years, 
Last dividend of reserved profits, in 1863. 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, . 
Average annual expenses, 



6 per cent. 

$18,396 16 
5^ per cent. 

Five years. 
$4,000 00 
1,100 00 



NORTH ADAMS SAVINGS BANK— NORTH ADAMS. 

[May 23.] 
Rodman H. Wells, President. Treasurer, E. D. "VVhitaker. 



Deposits, . . . . 
Profits, .... 






$185,716 58 
8,344 19 




Public Funds, .... 

Bank Stock, 

Loans on Public Funds, . 




> 




$42,210 00 

9,900 00 

500 00 


on Bank Stock, 

on Real Estate, 

on Personal Security, 

to Counties, Cities, and T 


'owns 


» 




1,200 00 
38,225 00 
47,435 00 
43,925 53 


Cash on hand, 


• 


10,665 24 








$194,060 77 


$194,060 77 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends for last five years, 
Last dividend of reserved profits, in 1866, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, . 
Average annual expenses, 



863 
5 per cent. 

$7,699 44 
7 per cent. 

$3,168 01 
Five years. 
$5,500 00 
1,200 00 



38 



BANK COMMISSIONER'S REPORT. 



[Jan. 



NORTH BRIDGEWATER SAVINGS BANK— NORTH BRIDGET ATER. 

[September 20.] 
H. W. Robinson, President. Treasurer, E. Southwortii, Jr. 



Deposits, .... 


• • • 


$154,706 84 




Profits, .... 


• • • 


524 95 




Public Funds, . 


• • • 




$27,195 51 


Bank Stock, 


• • • 




34,736 87 


Loans on Real Estate, 


• • • 




49,418 84 


on Personal Security, 


• • • 




36.466 05 


to Counties, Cities and Towns, 




2,500 00 


Expense Account, 


• • • 




562 01 


Cash on hand, . 


• • • 




4,352 51 




$155,231 79 


$155,231 79 



Number of Depositors, ' 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, . 
Largest amount invested in the stock of any one bank, 
Average annual expenses, 



915 



5 per cent. 
$7,348 86 
$11,300 00 
500 00 



NORTH BROOKFIELD SAVINGS BANK— NORTH BROOKFIELD. 

[June 20.] 
Charles Adams, President. Treasurer, Bonum Nye. 



Deposits, 

Profits, 

Public Funds, .... 

Bank Stock, .... 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns 

Expense Account, 

Cash on hand, .... 



$75,307 75 
6,189 49 



$81,497 24 



$55,000 00 
1,400 00 
12,234 88 
6,691 00 
3,945 00 
120 48 
2,105 88 



$81,497 24 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, . 

Average annual rate of dividends for last live years, 

Last dividend of reserved profits, in 18G5, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



577 

5 per cent. 

19,7*0 74 

6 per cent. 

$824 21 
Five years. 
$1,000 00 
225 00 



1868.] 



public document—No. 8. 



39 



NORTH EASTON SAVINGS BANK— NORTH EASTON. 

[July 23.] 
Frederick L. Ames, President. Treasurer, P. A. Gifford. 



Deposits, .... 


• • • 


$71,993 07 






Profits, 


• • • 


603 37 


• 




Public Funds, . 


• • • 




$32,510 00 


Bank Stock, 


• • • 






14,849 00 


Loans on Bank Stock, 


• • • 






2,000 00 


on Real Estate, 


• • • 






5,003 00 


on Personal Security, 


• • „ • 






9,000 00 


to Counties, Cities and Towns, 






1,000 00 


Expense Account, 


• • • 






51 45 


Cash on hand, . 


• • • 






8,182 99 


* 


$72,596 44 


$72,596 44 



Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 
Average annual expenses, . . . . 



6 per cent. 

$2,138 77 
Five years. 

$6,600 00 
200 00 



PEOPLE'S SAVINGS BANK— WORCESTER. 

[March 1.] 

John C. Mason, President. Treasurer, C. M. Bent. 



Deposits, 


$415,073 25 




Dividend Account, . 


» • • • 


6,836 29 




Interest, . 


• • • • 


1,252 83 




Suspense Account, » 


• • • • 


1,000 00 




Public Funds, . 


• 
» • • • 




$227,050 00 


Bank Stock, 


» • • • 




47,300 00 


Premiums, 


• • • • 




12,337 51 


Profit and Loss, . 


• • • • 




4,572 89 


Loans on Real Estate, 


• • • 




82,100 00 


on Personal Securit 


fi ' '- 




15,000 00 


to Counties, Cities and Towns, 




10,000 00 


to Banks, on interest, 




24,935 10 


Expense Account, 




217 11 


Cash on hand, 




649 76 






$424,162 37 


$424,162 37 



Number of Depositors, 1,735 

Rate of ordinary dividends for the last year, 6 per cent. 

Amount of ordinary dividends for the last year, $11,852 97 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . 8,000 00 

Average annual expenses, . 1,945 00 



40 



BANK COMMISSIONER'S REPORT. 



[Jan. 



PLYMOUTH FIVE CENTS SAVINGS BANK-PLYMOUTH. 

[September 28.] 

Treasurer, Daniel J. Bobbins. 



Robert B. Hall, President. 



Deposits, .... 
Profits, • h • 
Interest, * . 






$133,235 26 

1,350 23 

878 09 




Public Funds, . 
Bank Stock, . 
Railroad Bonds, 








$89,770 00 

13,000 00 

6,000 00 


Loans on Public Funds, 
on Bank Stock, 








1,530 00 
452 00 


on Real Estate, 








17,917 00 


on Personal Security, 








3,459 00 


on Railroad Stock, . 








200 00 


Expense Account, 








145 48 


Cash on hand, . 








2,990 10 








$135,463 58 


$135,463 58 



Number of Depositors, 1,122 

Bate of ordinary dividends for the last year, G per cent. 

Amount of ordinary dividends for the last year, . . . . $5,97121 
No extra dividends are made. 

Largest amount invested in the stock of any one bank, .... 2,000 00 

Average annual expenses, 850 00 



Nathaniel Russell, President. 



PLYMOUTH SAVINGS BANK— PLYMOUTH. 

[September 28.] 

Treasurer, Allen Danfortii. 



Deposits, 


$1,166,597 98 




Profits, 




66,110 78 




Suspense Account, .... 




943 92 




Public Funds, 






$522,800 00 


Bank Stock, ..... 






358,615 00 


Railroad Bonds, 






20,000 00 


Real Estate, ..... 






9,506 50 


Loans on Public Funds, 






5,750 00 


on Railroad Stock, . 






6,440 00 


on Bank Stock, 






1,900 00 


on Real Estate, 






192,950 00 


on Personal Security, 






49,200 00 


to Counties, Cities and Towns, 






59,278 45 


to Banks, on interest, 






6,498 54 


Expense Account, 






288 95 


Cash on hand, 






425 24 






$1,233,652 68 


$1,233,652 68 



X umber of Depositors, 6,9M 

Iiat«- of ordinary dividends for the last year, 7 per cent. 

Amount of ordinary dividends for the last year, 6,119 21 

NO extra dividends arc made. 

Largest amount invested in the stock of any one bank, . . . . 22,500 00 

Average annua] expei] 3,500 00 



1868.] 



PUBLIC DOCUMENT— No. 8. 



41 



PROVIDENT INSTITUTION FOR SAVINGS— BOSTON. 

[February 15.] 



John Amory Lowell, President. 



Treasurer, Peter Wainwrigiit. 



Deposits, 


$8,434,335 48 




Profits, . . . 


• • • 


911,907 42 




Suspense Account, . , 


i • • • 


4,214 07 




Public Funds, . . 


i • • • 




$2,132,625 09 


Bank Stock, 


• • • • 




1,093,200 00 


Eeal Estate, . . . 


• • • 




50,000 00 


Railroad Bonds, 


i • • • 




95,250 00 


Loans on Public Funds, 


» • • • 




243,000 00 


on Bank Stock, 


i • • • 




20,500 00 


on Real Estate, 


» • • • 




1,620,550 00 


on Personal Security, 




3,148,000 00 


to Counties, Cities and Towns, 




806,700 00 


Expense Account, 




4,691 84 


Cash on hand, 




135,940 04 






$9,350,456 97 


$9,350,456 97 



Number of Depositors, . . 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends for last five years, about 
Last dividend of reserved profits, in 1862, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, . 
Average annual expenses, . . . 



32,176 
4 per cent. 

$301,483 85 
7 per cent. 

$668,938 78 
Five years. 
$188,100 00 
28,231 95 



PROVIDENT INSTITUTION FOR SAVINGS— SALISBURY. 

December 4.] 
William C. Binney, President. Treasurer, Thomas J. Clark. 



Deposits, 


$635,399 94 




Profit and Loss, 


5,234 77 




Interest, 


1,229 30 




Public Funds, 




$240,000 00 


Bank Stock, 




113,025 00 


Real Estate, 




2,500 00 


Loans on Real Estate, .... 




64,400 00 


on Personal Security, 


■ 


90,650 00 


to Counties, Cities and Towns, 




128,000 00 


Expense account, 




614 88 


Cash on hand, 




2,674 13 


1 


$641,864 01 


$641,864 01 



Number of Depositors, 2,894 

Rate of ordinary dividends for the last 3 r ear, 7 per cent. 

Amount of ordinary dividends for the last year, $39,698 67 

Average annual expenses, 1,263 00 



42 



BANK COMMISSIONER'S REPORT. 



[Jan 



QUINCY SAVIXGS BANK— QUINCY. 

[September 5.] 
Josiaii Brig ham, President. Treasurer, John C. Randall. 



Deposits, 


$402,981 93 




Profits, ...... 


18,138 51 




Public Funds, ..... 




$163,000 00 


Bank Stock, 




51,731 86 


Loans on Bank Stock, ..... 




950 00 


on Real Estate, 




108,720 00 


on Personal Security, 




5,031 88 


to Counties, Cities and Towns, 




79,000 00 


on Railroad Stock, . 




5,000 00 


Expense Account, . . . 




350 59 


Cash on hand, 




7,333 11 




$121,120 44 


$121,120 44 






1,570 


Rate of ordinary dividends for the last year, . 


• • • • 


5 per cent. 


Amount of ordinary dividends for the last year, 


■• 


$17,585 61 


Average annual rate of dividends for last five yea 


rs, . 


. 6.97 per cent. 


Last dividend of reserved profits, in 1865, 


. 


$15,022 22 






Five years. 


Largest amount invested in the stock of any one hank, . 


$10,000 00 


Average annual expenses, .... 


• • • • 


800 00 



RANDOLPH SAVINGS BANK— RANDOLPH. 

[September 20.] 
Atherton Wales, President. Treasurer, Setii Turner. 



Deposits, 


$114,462 


60 




Profits, ....... 


11,562 


56 




Public Funds, ...... 






$23,500 00 


Bank Stock, 






16,600 00 


Railroad Bonds, 






3,000 00 


Loans on Real Estate, .... 






9,700 00 


on Personal Securitv, 






900 00 


to Counties, Cities and Towns, 






34,450 00 


Expense Account, 






739 05 


Cash on hand, ...... 






37,136 11 


i 


$126,025 


16 


$126,025 16 








682 


Bate of ordinary dividends for the last year, . 






5 per cent. 


Amount of ordinary dividends for the last year, 






$4,810 68* 


Average annual rate of dividends for last five yeai 


s, . 




8 per cent. 


Last dividend of reserved profits, in 1866, 






$4,824 00 


Extra dividends are made once in . 






Five years. 


Largest amount invested in the stock of any one hi 


ink, . 




:,000 00 








400 00 



1868.] 



PUBLIC DOCUMENT— No. 8. 



13 



ROCKPORT SAVINGS BANK— ROCKrORT. 

[November 27.] 

George D. Hale, President. Treasurer, Newell Giles. 



Deposits, 


$79,454 76 




Profits, . 








5,731 32 




Dividend No. 30, 








1,778 97 




Public Funds, . 










$20,950 00 


Bank Stock, 










25,950 00 


Loans on Bank Stock, 










1,510 00 


on Real Estate, 










30,781 26 


on Personal Security, 








6,400 00 


Cash on hand, . 








1,373 79 




$86,965 05 


$86,965 05 



Number of Depositors, 

Rate of ordinary dividends for the£last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends for last five years, 
Largest amount invested in the stock of any one bank, 
Average annual expenses, 



602 
5 per cent. 
$13,328 30 
6 1 per cent. 

$3,700 00 
325 00 



SALEM FIVE CENTS SAVINGS BANK— SALEM. 

[November 12.] 

Henry L. 'Williams, President. Treasurer, J. Vincent Brown. 



Deposits, 


$503,486 14 




Profits, 






15,936 08 




Public Funds, .... 








$303,031 47 


Bank Stock, .... 








34,580 75 


Loans on Public Funds, . 








6,700 00 


on Bank Stock, 








3,000 00 


on Keal Estate, 








96,425 00 


on Personal Security, 








59,500 00 


to Banks, on interest, 








15,725 00 


Cash on hand, . 








460 00 


■ ■*- 






$519,422 22 


$519,422 22 



Number of Depositors, ..... 

Rate of ordinary dividends for the last j r ear, . 

Amount of ordinary dividends for the last year, 

Last dividend of reserved profits, in 1865, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, . . . . 



2,978 
7 per cent. 
$28,831 68 
10,690 73 
Five years. 
$9,105 50 
2,400 00 



44 



BANK COMMISSIONER'S REPORT 



[Jan. 



SALEM SAVINGS BANK— SALEM. 
• [November 7.] 

Joseph S. Cabot, President. Treasurer, Charles E. Symonds. 



Deposits, 


$2,995,911 05 




Profits, 


275,841 07 




Public Funds, ...... 




$1,506,631 70 


Bank Stock, 




270,817 80 


Railroad Bonds, 




24,125 00 


Loans on Public Funds, .... 




115,683 75 


on Bank Stock, .... 




19,000 00 


on Real Estate, .... 




395,528 32 


on Personal Security, 




153,800 00 


to Counties, Cities and Towns, 




728,304 16 


to Banks, on interest, 




39,000 00 


on Railroad Stock, .... 




17,000 00 


Cash on hand, 




1,861 39 




$3,271,752 12 


$3,271,752 12 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends for last five year 

Last dividend of reserved profits, in 1863, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



11,971 
5 per cent. 

$130,244 09 
Gi per cent. 

8121,301 37 
Five years. 
660,000 0C 
5,200 00 



SANDWICH SAVINGS BANK— SANDWICH. 

[August 5.] 

William E. Boyden, President. Treasurer, Charles B. Hall. 



Deposits, .... 
Profits, .... 
Public Funds, . 
Loans on Real Estate, 

on Personal Security, 
Expense Account, 
Cash on hand, . 



$19,979 51 
843 12 



$20,822 63 



$7,600 00 

7,660 00 

4,990 00 

38 05 

534 58 



20,822 63 



Number of Depositors, 257 

Rate of ordinary dividends for tbc last year, 6 per cent. 

Average annual expenses, $50 00 



1868.] 



PUBLIC DOCUMENT— No. 8. 



45 



INSTITUTION FOR SAVINGS— CAMBRIDGE. 

[October 11.] 

S. T. Farwell, President. Treasurer, Eben Snow. 



Deposits, .... 
Profits, .... 
Public Funds, . . . 
Bank Stock, 
Loans on Real Estate, 

on Personal Security, 
Expense Account, 
Cash on hand, . 



$584,752 44 
17.372 62 



2,125 06 



$131,914 21 

2,526 00 

427,693 00 

18,180 00 

300 00 

21,511 85 



$602,125 06 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Last dividend of reserved profits, in 1865. 

Extra dividends are made once in " 

Largest amount invested in the stock of any one bank, . 
Average annual expenses, 



2.389 


5 per cent. 


$25,586 50 


Five years. 


$2,526 00 


1,300 00 



SCITUATE SAVINGS BANK— SCITUATE. 

[August 27.] 
E. Jenkins, President. Treasurer, C. W. Peouty. 



Deposits, . 


• 


• * * 


$58,964 59 




Profits, 


• 


• • 4 


2,793 14 




Public Funds, . 


• 


• • • 




$8,600 00 


Bank Stock, 


• 


• • • 




12,800 00 


Loans on Real Estate, 


• 


• • • 




29,900 00 


on Personal Secui 


*ity, 


• • • 




350 00 


to Counties, Cities 


and Towns, 




8,870 26 


Expense Account, 


• 


• • • 




352 46 


Cash on hand, . 


• 


• • • 




885 01 




$61,757 73 


$61,757 73 



Number of Depositors, 239 

Rate of ordinary dividends for the last year, 5 per cent. 

Amount of ordinary dividends for the last year, $2,629 47 

Average annual rate of dividends for last five years, .... 7.43 per cent. 

Last dividend of reserved profits, in 1867, $3,452 92 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, .... $5,000 00 

Average annual expenses, 150 00 



46 



BANK COMMISSIONER'S REPORT. 



[Jan. 



David Fairbanks, President. 



SEAMEN'S SAVINGS BANK— FROVINCETOWN. 

[July 31.] 

Treasurer, John Young, Jr. 



Deposits, ....... 


$312,313 31 




Profits, .... 






1,782 63 




Interest, .... 






381 91 




Dividend Account, . 






5,341 28 




Public Funds, . 








$125,485 92 


Bank Stock, 








30,398 05 


Loans on Real Estate, 








43,901 00 


on Personal Security, 








84,805 58 


to Counties, Cities and Towns, 




25,775 00 


Cash on hand, 




9,453 58 








$319,819 13 


$319,819 13 



Number of Depositors, 

No extra dividends are made. 

Largest amount invested in the~stock of any one bank, . 

Average annual expenses, 



1,178 

$8,000 00 
1,150 00 



SHELBURNE FALLS FIVE CENTS SAVINGS BANK— SHELBURNE FALLS. 

[June 20.] 
F. A. Ball, President. Treasurer, A. K. Hawks. 



Deposits, . 
Profits, 


• • • • 

• • • • 


$248,910 10 
275 85 




Public Funds, 

Bank Stock, 

Loans on Real Estate, .... 
on Personal Security, 
to Counties, Cities and Towns, 




$136,700 00 

11,700 00 

64,564 50 

28,638 00 

5,400 00 


Expense Account, 
Cash on hand, . 


• • • • 

• • • • 




1,483 00 
700 45 




$249,185 95 


$249,185 95 



Number of Depositors, . 1,400 

Rate of ordinary dividends for the last year, G per cent. 

Amount of ordinary dividends for the last year, $10,666 50 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, .... $6,000 00 

Average annual expenses, 1,000 00 



1868.] 



PUBLIC DOCUMENT— No. 8. 



47 



SOUTHBPJDGE SAVINGS BANK— SOUTHBRIDGE. 

[June 10.] 
Samuel Hartwell, President. Treasurer, Samuel M. Lank. 



Deposits, ..... 
Profits, ..... 

Public Funds, . . 

Bank Stock, .... 

Loans on Public Funds, . 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns, 
to Banks, on interest, 

Expense Account, 

Cash on hand, .... 



$339,099 93 
37,492 60 



$376,592 53 



$174,900 00 

23,000 00 

44,900 00 

10,880 00 

45,400 00 

47,500 00 

18,100 00 

5,000 00 

1,255 43 

5,657 10 



$376,592 53 



Number of Depositors, ...... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends for last five years, 

Last dividend of reserved profits, in 1863, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,508 
4 per cent. 

$11,012 04 
6 per cent. 

$5,740 19 
Five years. 
$11,500 00 
772 75 



SOUTH BOSTON SAVINGS BANK— BOSTON. 

[January 29.] 

Henry Souther, President. Treasurer, D. M. B. Thaxter. 



Deposits, . 
Profits, 

Interest, ... 
Public Funds, . 
Loans on Real Estate, 
Dividend No. 7, 
Expense Account, 
Cash on hand, . 



55,806 79 

301 79 

2,501 55 



$68,610 13 



$44,200 00 

20,552 00 

997 68 

2,138 50 

721 95 



$68,610 13 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Extra dividends are made once in. . 
Average annual expenses, .... 



891 
4 per cent. 

$1,790 42 
Five years. 

$600 00 



48 



BANK COMMISSIONER'S REPORT. 



[Jan. 



SOUTH SCITUATE SAVINGS BANK— SOUTH SCITUATE. 

[August 28.] 
Moses F. Rogers, President. Treasurer, E. T. Fogg. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 

Cash on hand, . 



£217,806 03 
6,350 67 



224,156 70 



$13,850 00 
41,300 00 

137,998 03 

10,498 06 

17,767 00 

2,743 61 



$224,156 70 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends for five years, . 

Last dividend of reserved profits, in 1865, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one hank. 

Average annual expenses, 



813 
5 per cent. 
$10,288 00 
6£ per cent. 
$5,333 49 
Five years. 
$4,500 00 
575 00 



SPRINGFIELD FIVE CENTS SAVINGS BANK— SPRINGFIELD. 

[May 25.] 
James C. Pyxchox, President. Treasurer, Daniel. J. Marsh. 



Deposits, .... 


• • • 


$484,173 10 




Profits, .... 


• • • 


22,129 50 




Public Funds, . 


• • • 




$190,000 00 


Bank Stock, 


• • • 




32,000 00 


Loans on Public Funds, . 


• • • 




1,000 00 


on Bank Stock,' 


• • • 




150 00 


on Real Estate, 


• • • 




261,430 00 


to Counties, Cities and Towns, 




10,000 00 


Expense Account, 


• • • 




344 19 


Cash on hand, . 


• • • 




11,378 41 




$506,302 60 


$506,302 (30 



Number of Depositors, 3,596 

Rate of ordinary dividends for the last year, G per cent. 

Amount of ordinary dividends for the last year, $20,305 77 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . 5,600 0o 

Average annual expenses, 1,200 00 



1868.] 



PUBLIC DOCUMENT— No. 8. 



49 



SPRINGFIELD INSTITUTION FOR SAVINGS— SPRINGFIELD. 

[June 28.] 
Josiah Hooker, President. Treasurer, Henry S. Lek. 



Deposits, 


11,856,155 94 




Profits, . . 








88,378 90 




Public Funds, . 










$713,091 25 


Bank Stock, 










236,800 00 


Real Estate, 










95,873 98 


Loans on Public Funds, 










57,675 00 


on Bank Stock, 










40,900 00 


on Real Estate, 










633,955 00 


on Personal Security, 








13,650 00 


to Counties, Cities and Towns, 




90,500 00 


Cash on hand, 




62,089 61 










$1,944,534 84 


$1,944,534 84 



Number of Depositors, 6,126 

Rate of ordinary dividends for the last year, 6 per cent. 

Amount of ordinary dividends for the last year, •$76,932 45 

Last dividend of reserved profits, in 1864, , 15,130 60 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, .... $15,000 00 

Average annual expenses, . . . . . . . . 4,251 00 



STONEHAM FIVE CENTS SAYINGS BANK— STONEHAM. 

[May 8.] 
Benjamin F. Richardson, President. Treasurer, Ira Gerry. 



Deposits, 


• • • • • • • 


$37,237 


90 




Profits, 


• • • • 4 






943 


18 




Interest, 


m • • • « 






9,492 


50 




Public Fi 


inds, . 










$18,350 00 


Loans on 


Public Funds, . 










300 00 


on 


Real Estate, 










17,400 00 


on 


Personal Security, 










2,400 00 


Dividend Account, 










5,935 12 


Expense 


Account, 










1,831 90 


Cash on 1 


land, . 










1,456 56 










$47,673 58 


$47,673 58 



Rate of ordinary dividends for the last j r ear, ...... 5 per cent. 

Amount of ordinary dividends for the last year, $1 ,490 60 

Average annual rate of dividends for last five years, .... 7 per cent. 

Last dividend of reserved profits, in 1865, $763 86 

Extra dividends are made once in Five years. 

Average annual expenses, $170 00 



50 



BANK COMMISSIONER'S REPORT. 



[Jan. 



SUFFOLK SAVINGS BANK— BOSTON. 

[February 5.] 

Thomas Lamb, President. ■ Treasurer, Charles Henry Parker. 



Deposits, ....... 


$1,065,031 15 




Profits, ..... 






306,806 40 




Guaranty Account, . 






203,391 26 




Public Funds, . 








$1,704,600 00 


Bank Stoek, . . 








393,525 00 


Real Estate, 








100.000 00 


Railroad Bonds, 








100,000 00 


Loans on Public Funds, . 








79,000 00 


on Railroad Stock, . 








90,000 00 


on Real Estate, 








713,700 00 


on Personal Security, 








1,334,000 00 


Dividend Account, . 








15,300 30 


Expense Account, 








7,112 05 


Suspense Account, 








106 38 


Cash on hand, * 








37,885 08 




$4,575,228 81 


$4,575,228 81 




13,109 






4 per cent. 


Amount of ordinary dividends for the last year, 




$142,033 29 


Average annual rate of dividends for last five years, 




7 per cent. 






$287,708 09 






Five years. 


Largest amount invested in the stock of any one bank, . 




$53,200 00 












13,957 66 



WALTHAM SAVINGS BANK— WALTHAM. 

[December 28.] 

Horatio Moore, President. Treasurer, J. S. Williams. 



Deposits, • . 


• • • 


$313,355 


78 




Profit and Loss, . 


• • • 


11,920 


96 




Interest, .... 


• • • 


11,041 


84 




Public Funds, . 


• • • 






$70,000 00 


Bank Stock, 


• • • 






20,725 00 


Loans on Real Estate, 


• • • 






187,533 00 


on Personal Security, 


• • • 






51,930 00 


to Counties, Cities and Towns, 






1,600 00 


Expense Account, 


• • • 






1,204 36 


Cash on hand, . 


• • • 






3,326 22 




$336,318 


58 


$336,318 58 


Number of Depositors, . 


• • • a 


■ • 




1,650 








4 per cent. 


Amount of ordinary dividends for the last year, 


• • 




$9,722 88 


Average annual rate of dividends for the last five y 


ears, 




6 J per cent. 








$2,200 00 


Extra dividends are made once in 








Five years. 


Average annual ezpem 


• • ■ • 


. 




$900 00 



1868.] 



PUBLIC DOCUMENT— No. 8. 



51 



WARE SAVINGS BANK— WARE. 
[June 26.] 



William Hyde, President. 


Treasurer, Otis Lane. 


Deposits, 


$610,925 98 




Profits, 


8,507 04 




Interest, ....... 


20,561 54 




Public Funds, . . . . 




$250,500 00 


Bank Stock, 




137,500 00 


Loans on Public Funds, .... 




15,700 00 


on Bank Stock, . . 




5,450 00 


on Real Estate, .... 




111,942 75 


on Personal Security, . 




56,330 00 


to Counties, Cities and Towns, 




43,800 00 


to Banks, on interest, 




13,800 00 


Expense Account, ..... 




2,812 52 


Cash on hand, 




2,159 29 




$639,994 56 


$639,994 56 



Number of Depositors, 2,274 

Rate of ordinary dividends for the last year, 5£ per cent. 

Amount of ordinary dividends for the last year, . . . . . $26,478 00 

Average annual rate of dividends for the last five years, ... 7^ per cent. 

Last dividend of reserved profits, in 1865, $17,655 52 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $25,000 00 

Average annual expenses, 1,700 00 



WAREHAM SAVINGS BANK— WAREHAM. 

[August 6.] 
J. B. Tobey, President. Treasurer, T. R. Miles. 



Deposits, 

Profits, 

Public Funds, ...... 

Bank Stock, 

Railroad Bonds, 


$261,647 96 
6,205 94 


$53,210 00 

128,934 58 

9,750 00 


Loans on Bank Stock, .... 




9,600 00 


on Real Estate, .... 




4,275 00 


on Personal Security, 

on Railroad Stock, .... 




43,150 98 
10,000 00 


to Counties, Cities and Towns, 




1,000 00 


Expense Account, 

Cash on hand, 




1,078 27 
6,855 07 




$267,853 90 


$267,853 90 



Number of Depositors, 969 

Rate of ordinary dividends for the last year, . . . . . . . 7 per cent. 

Amount of ordinary dividends for the last year, $16,079 29 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, .... 19,262 00 

Average annual expenses, 608 00 

I 



52 



BANK COMMISSIONER'S REPORT. 



[Jan. 



WARREN FIVE CENTS SAVINGS BANK— SOUTH DANVERS. 

[November 12.] 
George Osborne, President. Treasurer, Francis Baker. 



Deposits, .... 


• • • 


$294,725 42 




Profit and Loss, 


• i 




19,683 01 




Interest, .... 


• 




254 17 




Public Funds, ... 


a , 






$140,706 25 


Bank Stock, 


• 






60,484 00 


Loans on Real Estate, 


• < 






52,550 00 


on Personal Security, 


• 






4,800 00 


to Counties, Cities and Towns, 




42,750 00 


Cash on hand, . 


• • • 




13,372 35 








$314,662 60 


$314,662 60 



Number of Depositors, 1,556 

Rate of ordinary dividends for the last year, 6 per cent. 

Amount of ordinary dividends for the last year, ..... $15,417 27 
Last dividend of reserved profits, in 1864. 

Extra dividends are made once in . Five years. 

Largest amount invested in the stock of any one bank, .... $16,000 00 

Average annual expenses, 600 00 



WARREN INSTITUTION FOR SAVINGS— CHARLESTOWN. 

[October 1.] 
James Adams, President. Treasurer, George F. Tufts. 



Deposits, . . 


$1,683,342 62 




Profit and Loss, 


75,488 37 




Interest, ....... 


58,509 84 




Rents, ....... 


1,726 58 




Public Funds, 




$610,818 76 


Bank Stock, ...... 




79,387 75 


Real Estate, 




51,305 18 


Railroad Bonds, 




24,125 00 


Loans on Ileal Estate, .... 




702,344 00 


on Personal Securitv, 




20,300 00 


to Counties, Cities and Towns, 




294,255 00 


Interest accrued, ..... 




21,139 89 


Expense Account, ..... 




2,776 50 


Cash on hand, ...... 




12,615 33 




$1,819,067 41 


$1,819,067 41 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, . 
Largest amount invested in the stock of any one bank, 
Average annual expenses, 




6,151 
5 per cent. 
$74,292 76 
19,000 00 
5,500 00 



1868.] 



PUBLIC DOCUMENT— No. 8. 



53 



WELLFLEET SAVINGS BANK— WELLFLEET. 

[August 1.] 
Richard R. Freeman, President. Treasurer, Simeon Atwood. 



Deposits, . 

Profits, 

Public Funds, . 

Loans on Public Funds, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns, 

Cash on hand, . . . 



$56,478 54 
12,768 23 



,246 77 



$20,615 43 
28,617 67 
3,625 00 
6,600 00 
7,800 00 
1,988 67 



$69,246 77 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
No extra dividends are made. 
Average annual expenses, 



411 
6 per cent. 
$3,679 75 

225 00 



WESTFIELD SAVINGS BANK— WESTFIELD. 

[May 24.] 
C A. Jessup, President. Treasurer, V. W. Crowson. 



Deposits, 


$163,114 75 




Profits, .... 


• • • • • 


13,852 18 




Public Funds, . 


> • • • 




$98,200 00 


Bank Stock, 


• • • 




9,000 00 


Loans on Public Funds, , 


» • * • 




760 00 


on Bank Stock, 


► • • • 




7,000 00 


on Real Estate, 


• • • 




31,750 00 


on Personal Security, 




15,200 00 


to Counties, Cities, and Towns, 




11,000 00 


Expense Account, 




373 00 


Cash on hand, . 




3,683 93 






$176,966 93 


$176,966 93 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, . 

Average annual rate of dividends for last five years, 

Last dividend of reserved profits, in 1863, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



953 
5 per cent. 
$7,387 56 
5 2-5 per cent. 

$2,211 76 
Five years. 
$5,800 00 
700 00 



54 



BANK COMMISSIONER'S REPORT. 



[Jan. 



WEYMOUTH AND BRAINTREE INSTITUTION FOR SAVINGS— WEYMOUTH. 

[August 27.] 
Elliot L. White, President. Treasurer, A. L. White. 



Deposits, ....... 


$360,959 15 




Profits, ....... 


17,867 07 




Public Funds, 




$142,900 00 


Bank Stock, .*.... 




39,800 00 


Railroad Bonds, 




10,000 00 


Loans on Real Estate, .... 




145,803 00 


on Personal Security, 




30,253 00 


to Counties, Cities and Towns, 




5,000 00 


Cash on hand, 




5,070 22 




$378,826 22 


$378,826 22 



Number of Depositors, 1,764 

Rate of ordinary dividends for the last year, 5 per cent. 

Amount of ordinary dividends for the last year, $16,769 72 

Average annual rate of dividends for last five years, .... 6 per cent. 

Last dividend of reserved profits, in 1864, $10,121 61 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, .... $5,000 00 

Average annual expenses, 700 00 



WINCHENDON SAVINGS BANK— WINCHENDON. 

[June 19.] 
E. Murdock, Jr., President. Treasurer, C. L. Beals. 



Deposits, ....... 


$116,933 23 




Profits, . . . ... 


841 41 




Public Funds, 




$77,500 00 


Loans on Public Funds, .... 




.20,000 00 


on Real Estate, . . . . 




13,380 93 


on Personal Security, 




4,055 00 


to Counties, Cities and Towns, 




1,000 00 


Cash on hand, 




1,838 71 




$117,774 64 


$117,774 64 



Number of Depositors, 760 

Rate of ordinary dividends for the last year, 5i per cent. 

Amount of ordinary dividends for the last year, $4,184 86 

Average annual rate of dividends for last five years, .... 6.37 per cent. 

Last dividend of reserved profits, in 1864, $2,729 78 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . .. . . $5,000 00 

Average annual expenses, 250 00 



1868.] 



PUBLIC DOCUMENT— No. 8. 



55 



WOBURN FIVE CENTS SAVINGS BANK— WOBURN. 

[October 10.] 
Abijah Thompson, President. Treasurer, James N. Dow. 



Deposits, . 

Profits, . . . 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 

Cash on hand, . 



$101,738 74 
2,383 80 



$104,122 54 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends for last three years, 

Last dividend of reserved profits, in 1866, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



563,000 
11,301 

2,040 

600 

12,800 

13,100 

1,281 



00 
00 
00 
00 
00 
00 
54 



$104,122 54 



1,200 
5 per cent. 

$3,657 93 
7 per cent. 
$2,450 72 
Three years. 

$4,070 00 
350 00 



WORCESTER COUNTY INSTITUTION FOR SAVINGS— WORCESTER. 

[March 1.] 
Stephen Salisbury, President. Treasurer, Charles A. Hamilton. 



Deposits, 


$3,203,996 75 




Profit and Loss, . 


t • • • 


3,181 68 




Interest, 


» • • • 


30,360 71 




Suspense Account, 


I w • • 


2,432 54 




Pentennial Dividend, 


1 • • • 


227,566 00 




Public Funds, . 


• • • 




$1,023,200 00 


Bank Stock, 


• • • 




602,900 00 


Loans on Public Funds, . 


• • • 




52,670 00 


on Bank Stock, 


• • • 




12,095 00 


on Real Estate, 


• • • 




1,226,612 93 


on Personal Security, 




137,069 87 


to Counties, Cities and Towns, 




396,704 85 


Expense account, ..... 




481 54 


Cash on deposit, ..... 




6,381 19 


Cash on hand, 




9,422 30 


* 




$3,467,537 68 


$3,467,537 68 



Number of Depositors, 13,589 

Rate of ordinary dividends for the last year, 5 per cent. 

Amount of ordinary dividends for the last year, $143,247 26 

Average annual rate of dividends for last five years, 5£ per cent. 

Last dividend of reserved profits, in 1863, $47,78113 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, .... $30,000 00 

Average annual expenses, 7,000 00 



56 



BANK COMMISSIONER'S REPORT. 



[Jan. 



WORCESTER FIVE CENTS SAVINGS BANK— WORCESTER. 

[February 27.] 
Charles L. Putnam, President. Treasurer, Clarendon Harris. 



Deposits, ....... 


$265,026 35 




Interest, ....... 


32.902 50 




Public Funds, 




$111,000 00 


Bank Stock, 




72,400 00 


Loans on Public Funds, .... 




800 00 


on Real Estate, .... 




32,025 00 


on Personal Security, 




4,900 00 


to Counties, Cities and Towns, 




57,500 00 


to Banks, on interest, 




10,761 74 


Dividend Account, ..... 




5,529 66 


Tax and Expense Account, 




2,186 29 


Cash on hand, ...... 




826 16 




$297,928 85 


$297,928 85 



Number of Depositors, 2.951 

Rate of ordinary dividends for the last year, 5 per cent. 

Amount of ordinary dividends for the last year, $11,454 68 

Last dividend of reserved profits, in 1859. 

Largest amount invested in the stock of any one bank, .... $8,000 00 

Average annual expenses, 1,000 00 



WORCESTER MECHANICS' SAVINGS BANK— WORCESTER. 

[February 27.] 
Harrison Bliss, President. Treasurer, H. Woodward. 



Deposits, ..... 

Profits, ..... 

Public Funds, .... 

Bank Stock, .... 

Loans on Public Funds, . 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns 
on Railroad Stock, . 

Expense Account, 

Cash on hand, .... 



,098,697 37 
58,958 17 



157,655 54 



$351,600 00 

122,300 00 

26,775 00 

10,416 52 

537,931 50 

85,749 09 

6,700 00 

10,000 00 

801 36 

5,382 07 



,157,655 54 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends for last five years, 
Last dividend of reserved profits, in January, 1867, 
Kxtra dividends are made once in . 
Largest amount invested in the stock of any one bank, 
Average annual expenses, ..... 



4,037 
5 per cent. 
$46,363 82 
6 3-5 per cent. 

$24,000 00 
Five yean. 
$28,700 00 
3,000 00 



1868.] 



PUBLIC DOCUMENT— No. 8. 



57 



UNION INSTITUTION FOR SAVINGS— BOSTON. 

[January 29.] 
John C. Crowley, President. Treasurer, George F. Emery. 



Deposits, .... 
Profits, .... 
Profit and Loss, . 
Public Funds, . 
Loans on Real Estate, 

to Banks, on interest, 
Expense account, 
Cash on hand, . 



$517,245 05 

14,508 39 

19 31 



$531,772 75 



$180,000 00 

320,225 00 

27,920 69 

3,265 69 

361 37 



$531,772 75 



Number of Depositors, 2,122 

Rate of ordinary dividends for the last year, ,6 per cent. 

Amount of ordinary dividends for the last year, $12,430 53 

Extra dividends are made once in Five years. 

Average annual expenses, . $4,750 00 



8 



58 



BANK COMMISSIONER'S REPORT. 



[Jan. 



THE PAWNERS' BANK. 

The following statement has been received by the Commis- 
sioner of Savings Banks, in accordance with the Act establishing 
the Pawners' Bank. 

STATE OF THE BANK, 

On the fourth Saturday of October, 1867, at 7 o'clock, P. M. 



DUE FROM THE BANK. 

Capital stock called in, . 

Unclaimed dividends, . 

Reserve account, . 

Net profits, (estimated,) 

Notes payable, 

Proceeds of auction sale, not yet adjusted, 

Estimated expenses due, but not paid, . 

Total amount due from the bank, . 



$113,500 00 

902 50 

828 50 

2,195 27 

15,300 00 

9,290 28 

187 34 

$142,203 89 



RESOURCES OF THE BANK. 

Amount of outstanding loans on pledge of goods and 



chattels, ........ 

Interest accrued on loans and not paid in, (estimated,) 
Amount of deposits, ...... 

Amount of money on hand, in the bank, 

United States Treasury notes, .... 

Vault, safes, furniture, fixtures, &c, 

Total amount of the resources of the bank, 



$114,482 91 

10,407 68 

7,727 82 

514 23 

5,071 25 

4,000 00 

$142,203 89 



E. B. Foster, Cashier. 



The foregoing statement was verified by the oath of the 
cashier, and by the certificate, also under oath, of Joseph A. 
Ropes, N. C. Poor, Samuel Johnson, Jr., John Bigelow, and 
John Kuntz, a majority of the directors of the bank. 



1868.] 



PUBLIC DOCUMENT— No. 8. 



59 



Interesting Statistics connected with the Bank. 

Whole number of loans, 
Number of loans in 1860, 



59,948 

5,228 

7,598 

6.563 

6,224 

6,813 

9,921 

9,665 

$1,522,413 85 

1,407,930 94 

18,782 59 

17,124 91 

10,407 68 

7 \ per cent. 

741,920 



in 1861, 
in 1862, 
in 1863, 
in 1864, 
in 1865, 
in 1866, 
Total amount of loans to date, 

paid in on loans for the same time, 
Amount of interest earned on loans, since last report, 

on loans paid since last report, . 
Interest earned on loans but not paid in, 
Dividends declared for 1866, . .... 
Estimated number of articles loaned on, . 

68 out of every 100 of the loans made are $10 and under. 
51 out of every 100 of the loans the interest is less than 21 cents. 
31 out of every 100 of the loans the interest is less than 11 cents. 
21 out of every 100 of the loans the interest is less than 6 cents. 

5 out of every 100 of the loans the interest is only 1 cent. 
Average length of credit actually taken by the pledgers is three 
months and thirteen days. 

Six months* credit is usually given, and loans can be renewed on 
payment of the interest due. 

Goods outside of the vault and safes are insured. 
Average amount of interest received on each loan is one dollar eighty 
cents. 

Average amount loaned to each person, $29.72. 
Loans made on pledge of goods and chattels only. 
No loans considered doubtful. 
No bills issued by the bank. 
No deposit accounts. 



60 BANK COMMISSIONER'S REPORT. [Jan. 



PUBLIC STOCKS 

Deposited with the Auditor of the Commonwealth by " banks organized 
under general laws" as security for their circulating notes. 

On the 31st day of December, 1867, the accounts and 
securities held were as follows: — 

Bank of the Metropolis. (Charter surrendered.) 

United States Bonds, $2,000 00 

Circulation, 1,958 00 ■ 

Safety Fund Bank. 

Town of Natick Bonds, $15,000 00 

Circulation, 3,714 00 

Mount Vernon Bank. 

Town of Melrose Bonds, $2,000 00 

Circulation,. 1,500 00 

i 

Continental Bank. 

United States Bonds, $1,000 00 

Circulation, 948 00 

Harvard Bank. 

Massachusetts Bonds, $10,000 00 

Circulation, 985 00 

Revere Bank. 

Rhode Island Bonds, $3,000 00 

Circulation, 2,900 00 

Bank of the Republic. 

Town of North Chelsea, Note, ... . $8,000 00 

Circulation,. ... 2,221 00 



SAVINGS INSTITUTIONS. 



The Commissioner of Savings Banks has the honor to submit 
the following Abstract of the Annual Returns of Savings Insti- 
tutions in the Commonwealth, exhibiting their condition on 
Saturday, the twenty-sixth day of October, 1867, in answer to 
the requisition of His Excellency the Governor. 



ABSTRACT 



OF THE 



ANNUAL RETURNS 



OF THE 



SAVINGS INSTITUTIONS. 



18 6 7. 



64 



BANK COMMISSIONER'S REPORT. 



[Jan. 





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o 




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o 








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© 


© 


© 


© 


© 






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10S 



BANK COMMISSIONER'S REPORT. 



[Jan. 



AGGREGATES. 



1867. 

One hundred and 
eight Savings Banks. 



1866. 

One hundred and 
two Savings Banks. 



Number of Depositors, 
Amount of Deposits, .... 
Number of Deposits during the last year, 
Amount of the same, .... 
Number of Deposits during the last year of 

and exceeding $300 at one time, . 
Amount of the same, 
Number of withdrawals during the last year 
Amount of the same, .... 
Number of accounts opened during the last 

j Cell j ••••••• 

Number of accounts closed during the last 

j Cclr. •••••• 

Amount of surplus on hand, 

Public Funds, . . . ... 

Loans on public funds, 

Bank Stock, ..... 

Loans on bank stock, 

Deposits in banks, bearing interest, . 

Railroad Bonds, .... 

Loans on railroad stock, 

Invested in real estate, 

Loans on mortgage of real estate, 

Loans to counties and towns, 

Loans on personal security, 

Cash on hand, ..... 

Average rate of ordinary Dividends for the 

last year, 

Aggregate amount of ordinary Dividends 

for the last year, .... 
Annual Expenses of the institutions, . 



348,593 
.$80,431,583 71 
346,043 
26,755,132 29 



316,853 
$67,732,264 31 



19,674 
$9,357,093 55 

173,954 
$17,496,416 64 

81,102 

46,084 

$3,172,877 01 

29,960,219 47 

1,218,935 67 

10,921,364 62 

441,498 49 

1,524,328 09 

733,152 75 

278,940 00 

576,463 79 

21,259,349 10 

6,577,803 84 

9,636,996 90 

1,141,298 90 

5j* 5 2 7 per cent. 

$3,514,715 17* 
254,226 79 



1525,113,702 97 
812,618 00 

10.588.889 98 
282,186 52 

1,554,562 98 
427,573 75 
140,126 00 
477,699 34 

16.145.890 65 
6,060,110 88 
8,027,882 65 
1,333,628 52 

^1% P er cent * 

$2,908,235 50 f 
219,257 03 



* Calculated on the returns ofl02 Banks,— the Woburn, Wellfleot and Sandwich giving the rate, 
but not the amount of their dividends. The Athol, Ilopkinton and West Boston had not paid 
dividends at the time their returns were made. 

t Calculated on the returns of 93 Banks,— the Salem Five Cents, Cambridgeport, Woburn, TVin- 
chendon, Westfield, Canton, Attleborough and Wellfleet Banks having returned the rate, but not 
the amount of their dividends. The Sandwich Bank had not paid any dividend at the time its 
return was made. 



1868.] PUBLIC DOCUMENT— No. 8. 109 



The examinations of savings banks required by law have 
been made by the Commissioner during the year ending at 
date. The general prudence heretofore shown in the manage- 
ment of these institutions, which has made them so successful 
and valuable to the depositors and entire communities where 
they are located, is as fully manifested now as at any previous 
period of their existence, and they seem to maintain their claim 
for the confidence of the public. 

The amount of business transacted during the year has been 
unusually large. The increase in deposit for the year ending 
October 26, the date of the annual returns, was $12,699,- 
319.40. The amount of deposits at that date was $80,431,- 
583.71, being an average of $230.73 to each account, and of 
surplus, returned this year for the first time, $3,172,877.01, 
showing, in both, a liability of $83,604,460.72. 

The unparalleled increase of deposits during the year has been 
observed in all the banks in the State, with a very few excep- 
tions, where peculiar causes easily understood have operated to 
produce a different result. 

The single fact of a rapid accumulation in our savings 
banks does not, of itself, afford any evidence that they are per- 
forming the beneficial work expected of them. Indeed, it 
should cause those who are intrusted with their supervision to 
scrutinize the fact with much care. 

The institutions are exclusively intended for the benefit of 
that portion of our population who have but little or no capi- 
tal, and who seek a place of safe deposit for small savings. 
That this was the primary object in establishing them does not 
admit of a doubt. 

So long as they are strictly confined to their legitimate busi- 
ness they are worthy of all the protection and encouragement 
the State can give, and so much of its fevorable consideration 
in the matter of taxation as its financial condition permits. 

But if at any time the deposits should be made up to a con- 
siderable extent of the capital of those for whom the institu- 
tions were not created, we should have reason to anticipate 
a wide departure from the past prudent management to satisfy 
the demands which that capital would surely make for higher 
rates of interest, thereby subjecting the legitimate deposits to 



110 BANK COMMISSIONER'S REPORT. [Jan. 

a greater liability of loss than ought ever to exist in a savings 
bank. 

The additional items in the annual returns now required by- 
chapter 203 of the Acts of the year 1867, supply valuable 
information as to the character and amount of business trans- 
acted, from which, to some extent, reliable conclusions may be 
drawn as to the pecuniary condition of the depositors. 

It appears in the foregoing table of aggregates that more 
than one-third of the amount of deposits for the year was 
received in about one-eighteenth of the whole number of 
deposits, averaging $475.60 each, while the remaining deposits 
average $53.30. 

The returns would seem to afford some foundation for the 
belief that much attention is not given to the source from 
which deposits come. 

But, without doubt, the business of the year has been 
somewhat exceptional in its character as well as in its amount. 

Many of the deposits, it is said, are the proceeds of the sale 
of government bonds held by persons of small means and 
formerly depositors in savings banks, who have made the 
change because of the great risk in keeping such securities 
without a safe place of deposit. 

Much more, however, may probably be attributed to the 
increased rate of interest which the institutions are able to pay 
in consequence of a higher rate received upon their loans, 
large dividends on bank stock, and the interest in gold upon 
their bonds. 

In a considerable number of banks the practice of carrying 
a portion of the earnings of each six months to surplus account 
for an extra dividend once in three or five years, has this year 
been abandoned, and hereafter it is proposed that the net earn- 
ings be paid in ordinary dividends, with the exception of such 
reserve as it may be deemed prudent to hold. 

Since the first of July, when the Act of 1867, relating to the 
rate of interest took effect, the savings banks, with a very few 
exceptions, have charged interest at the rate of seven per 
centum upon all new loans, and generally, but not in all cases, 
this rate has been required upon all loans which have becomo 
due. 



1868.] PUBLIC DOCUMENT— No. 8. Ill 

The short experience we have had under this radical change 
in the law, has not thus far justified the fears entertained by 
many of its results. 

The action adopted by the savings banks in consequence of 
the change has been marked with prudence, and seems to meet 
with public approval as an equitable course for both depositor 
and borrower. 

One effect of the law is quite perceptible in the increased 
amount of loans upon mortgages of real estate, thereby 
removing much if not all reasonable complaint of inability to 
procure loans from savings banks upon this class of security. 

Although the law covered less than half of the year 
embraced in the returns, more than five millions of dollars, 
an amount greatly exceeding that of previous years, is shown 
to have been invested in mortgages, a large part of which, it 
is reasonable to suppose, would have been invested in other 
securities had the law continued to limit the rate of interest to 
six per centum. 

While much can be said in commendation of the manner in 
which the savings institutions of this State are managed, some 
modifications of detail might be introduced which would 
increase their safety and usefulness. 

Accepting the statement of treasurers, it is too often the case 
that substantially the entire responsibility is thrown upon them, 
and in many instances no little difficulty is said to be experi- 
enced in obtaining from the trustees any more than the most 
formal examinations of the accounts required by the by-laws of 
the institution and the laws of the State. 

Those who have accepted the trust of watching over the wel- 
fare of a savings bank as its trustees, upon whose reputation 
its credit is often established, to a great extent, are certainly 
bound in honor to the most faithful execution of the trust, and 
owe it to the depositors, and as well the treasurer, that at least 
all ordinary caution should be used in performing the duties of 
the office. Anything less would be culpable unfaithfulness. 

Where there are duties which require more labor than could 
be reasonably expected of unpaid officers, they should be per- 
formed by some suitable person employed for the purpose at 
the expense of the bank. 



112 BANK COMMISSIONER'S REPORT. [Jan. 

Being institutions more especially intended for the use of the 
industrial population of the State, their convenient accommo- 
dation should be consulted so far as it is practicable. 

Experience has established the fact that those banks which 
conduct their business with the least restrictions, receiving 
deposits and paying withdrawals without previous notice, at all 
hours when the bank is open, and which make an equitable 
division of their earnings, are certain to rapidly lead in popular 
favor other institutions in their immediate vicinity pursuing a 
different and more restrictive policy. 

Fifty of the savings banks are located in apartments occupied 
in common with national banks, and have the same hours for 
transacting business. More than half of the remainder trans- 
act their business in the usual banking hours in the middle of 
the day. 

While in many places these hours present all the accommo- 
dation needed, there are others, the centres of a large laboring- 
population, closely confined by their occupation every hour 
when the banks are open, where they do not present such facil- 
ities as would be most likely to meet the general wants and 
convenience. 

Persons of thrift and economical habits find some way to 
make their deposits, even if so engaged in banking hours that 
they cannot do it personally ; but there is a class in every large 
community which will practise these habits only under the 
most favoring circumstances, and it would seem that to such 
persons savings banks ought to hold out all practicable facilities 
and inducements to become depositors. 

A fourth of the population of the State are depositors in 
savings institutions, and the manner of investing a fund so 
large as now held by them is a matter in which all are directly 
interested. 

So far as an opinion can be formed from the examinations 
and the returns, they indicate a due regard for safety in making 
investments, and a proper division among the several classes of 
securities permitted by law. 

More than twenty-four millions of dollars of the investments 
returned as public funds are in bonds of the United States ; 
over a million of dollars are loaned with these bonds as collat- 



1868.] PUBLIC DOCUMENT— No. 8. 113 

eral, and nearly eleven millions are invested in national bank 
stocks. 

With so much of the capital of the institutions thus invested, 
the action of the general government in its financial policy 
becomes of the utmost importance to them, and would occasion 
much anxiety for their future career if a doubt could be rea- 
sonably entertained that all its obligations will be met with 
perfect good faith. 

By the provisions of chapter 2 of the Acts of the year eighteen 
hundred and sixty-four, savings banks may invest their funds 
in the stock of national banks in this State, organized under the 
Act of congress approved the twenty-fifth day of February, in 
the yeajr eighteen hundred and sixty-three, and may also make 
deposits in such banks. 

Many of our national banks, however, were organized under 
a subsequent Act of congress, and the propriety of further 
legislation upon this subject is suggested. 

F. M. STONE. 

December 31, 1867. 

15 



INDEX 



TO THE ANNUAL RETURNS. 













[Locations.] 












Tage. 


Page. 


Abington, 102 


Lynn, 70 


Adams, 










92 


Maiden, 










80 


Amherst, . 










88 


Marlborough, 










80 


Andover, . 










68 


Milford, 










84 


Arlington, 










74 


Millbury, . 










84 


Athol, 










82 


Nantucket, 










. 106 


Attleborough, 










98 


Natick, 










80 


Barnstable, 










. 104 


New Bedford, 










. 100 


Beverly, . 










68 


Newburyport, 










. 70, 72 


Boston, 










. 64, 66 


Newton, . 










80 


Brighton, . 










74 


Northampton, 










88 


Cambridge, 










. 74, 76 


North Bridgewater, 








. 102 


Canton, 










94 


North Brookfield, 








. 84 


Charlestown, 










76 


Pittsfield, . 








94 


Chelsea, . 










68 


Plymouth, . 










. 102 


Chicopee, . 










90 


Provincetown, 










, 106 


Clinton, 










82 


Quincy, 










96 


Cohasset, . 










94 


Randolph, . 










96 


Concord, . 










76 


Rockport, . 










72 


Danvers, . 










68 


Roxbury, . 










96 


Dedham, . 










94 


Salem, 










72 


Dorchester, 










94 


Salisbury, . 










72 


Easton, 










100 


Sandwich, . « 










106 


Fairhaven, 










98 


Scituate, . 










104 


Fall River, 










98, 100 


Shelburne, . 










92 


Fitchburg, . 










82 


Southbridge, 










86 


Foxborough, 










96 


South Danvers, . 










74 


Framinghara, . 










76 


South Scituate, . 










104 


Gloucester, 










68 


Springfield, 










90 


Greenfield, 










92 


Stoneham, . 










80 


Haverhill, . 










70 


Taunton, . 










100 


Harwich, . 










104 


Waltham, . 










82 


Hingham, . 










102 


Ware, 










88 


Holyoke, . 










90 


Wareham, . 


* 








104 


Hopkinton, 










78 


Wellfleet, . 


• • 








lot; 


Lancaster, . 










84 


Westfield, . 










92 


Lawrence, . 










70 


Wcymoutfl, . 










98 


1 A tjj • * H 










92 


Winchendon, 











86 


Iveominster, 










84 


Woburn, . 










82 


Lowell, 










78 


Worcester, . 










86,88 



PUBLIC DOCUMENT No. 8. 



ANNUAL REPOET 



OF THE 



(Cammtssifliur ni StoHngs $anfcs, 



INCLUDING THE 



ABSTRACTS OF RETURNS 



FROM THE 



SAVINGS INSTITUTIONS 



IN 



MASSACHUSETTS. 



** 1 1 1 ' I 

*0 ° * ► 


1 *i ■> . 

I , fc 


' ' ( 5 3 ■ , , , i ■ 


1 ' ' r 

) C 


1 ° »' 




18 6 8 . 

|vJ *< % °: ,v,: • 


j « 



BOSTON: 

WRIGHT & POTTER, STATE PRINTERS, 
79 Milk Street, (corner of Federal.) 

1869. 



o 



B 



ANNUAL REPORT 



OF THE 



COMMISSIONER OF SAVINGS BANKS. 



To Hon. Oliver Warner, Secretary of the Commonwealth. 

In compliance with the provisions of law, the Commissioner 
of Savings Banks has the honor to submit herewith his Third 
Annual Report. 

Of the one hundred and fifteen savings banks and institutions 
for savings now in operation, seven have organized and com- 
menced business during the present year, viz. : — 



East Abington Savings Bank, . 
Gardner Savings Bank, . 
Hyannis Savings Bank, . 
Lawrence Savings Bank, . 
South Weymouth Savings Bank, 
Webster Five Cents Savings Bank, 
Worcester North Savings Institution 



East Abington. 

Gardner. 

Hyannis. 

Lawrence. 

South Weymouth. 

Webster. 

Fitchburg. 



All have been examined by the Commissioner, and their 
general condition and date of examination appear in the fol- 
lowing Abstracts. 



BANK COMMISSIONER'S REPORT. 



[Jaif. 



ABINGTON SAVINGS BANK— ABINGTON. 

[September 23.] 

Jenkins Lane, President. Treasurer, J. N. Farrar: 



Deposits, ....... 


$342,914 88 




Profits, ....... 


35,058 76 




Public Funds, ...... 




$117,299 39 


Bank Stock, ...... 




27,300 00 


Loans on Public Funds, .... 




5,675 00 


on Bank Stock, .... 




2,482 64 


on Real Estate, .... 




152,023 12 


on Personal Security, 




30,115 00 


to Counties, Cities and Towns, 




36,552 79 


Expense Account, ..... 




39 48 


Cash on hand, ...... 




6,486 22 




$377,973 64 


$377,973 64 



Number of Depositors, 

Rate of ordinary dividends for the last year, .... 

Last dividend of reserved profits, in 1868 — 2| per cent, per annum. 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 
Average annual expenses, 



1,606 
6 per cent. 

Five years. 
$7,100 00 
600 00 



AMHERST SAVINGS BANK— AMHERST. 

[June 16.] 

Charles Adams, President. Treasurer, Samuel C. Carter. 



Deposits, 


$46,485 20 




Profits, ....... 


552 07 




Public Funds, ...... 




$8,100 00 


Bank Stock, 




300 00 


Railroad Bonds, 




500 00 


Loans on Public Funds, .... 




1,600 00 


on Real Estate, .... 




10,700 00 


on Personal Security, 




4,500 00 


to Counties, Cities and Towns, 




11,000 00 


Expense Account, ..... 




266 22 


Cash on hand, ...... 




10,071 05 




$47,037 27 


$47,037 27 



Number of Depositors, 533 

Bate of ordinary dividends for the last year, G per cent. 

Extra dividends are made once in Five years. 

Average annual expenses, $140 00 



1869.] 



PUBLIC DOCUMENT— No. 8. 



ANDOVER SAVINGS BANK— ANDOVER. 

[November 4.] 
Nathaniel, Swift, President. Treasurer, John Flint. 



Deposits, ....... 


$543,264 69 


• 


Profits, ....... 


18,970 42 




Public Funds, 




$280,000 00 


Bank Stock, 




70,500 00 


Loans on Public Funds, .... 




7,350 00 


on Real Estate, .... 




110,725 00 


on Personal Security, 




10,197 00 


to Counties, Cities and Towns, 




77,000 00 


to Banks, on interest, 




3,000 00 


Cash on hand, 




3,463 11 




$562,235 11 


$562,235 11 



Number of Depositors, 1,898 

Rate of ordinary dividends for the last year, 8 per cent. 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $t5,000 00 

Average annual expenses, 900 00 



ARLINGTON FIVE CENTS SAVINGS BANK— ARLINGTON. 

[December 29.] 
Samuel Butterfield, President. Treasurer, William Proctor. 



Deposits, . 


• • • • 


$192,811 44 




Profits, 


• • • • 


7,825 94 




Interest, . 


• • • • 


5,580 98 




Temporary Loan, 


• • • • 


5,500 00 




Public Funds, . 


• • • • 




$50,000 00 


Loans on Real Estate, 


• • ' • • 




156,530 00 


on Personal Security, 




2,850 00 


to Counties, Cities and Towns, 




1,000 00 


Expense Account, 


• • ■ • • 




943 45 


Cash on hand, . 


• • • • 




394 01 




$211,717 46 


$211,717 46 



Number of Depositors, 1,059 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1865 — 2£ per cent, per annum, . $4,778 61 

Extra dividends are made once in Five years. 

Average annual expenses, $500 00 



6 



BANK COMMISSIONER'S REPORT. 



[Jan. 



ATIIOL SAVINGS BANK— ATHOL. 

[June 19.] 

CHARLES C. Bassktt, President. Treasurer, A. Harding, Jr. 



Deposit's, .... 


• • • 


$88,014 


79 




Profits, .... 


• • • 


372 


37 




Loans on Public Funds, . 


• • • 






$9,500 00 


on Real Estate, 


• • a 






23,675 00 


on Personal Security, 


• • • 






20,104 82 


on Railroad Stock, . 


• i • 






20,000 00 


to Counties, Cities an 


J Towns, 






16,500 00 


Expense Account, 


• • • 






174 19 


Cash on hand, . 


• • • 






2,063 15 




$89,317 


10 


$89,317 16 



Number of Depositors, .... 
Rate of ordinary dividends for the last year, 
Commenced business in 1867. 
Extra dividends are made once in 
Average^wnual expenses, 



595 
5 per cent. 

Tbree years. 

$500 00 



ATTLEBOROUGFI SAVINGS BANK— ATTLEBOROUGII. 

[September 8.] 
Ezekiel Bates, President. Treasurer, II. M. Daggett. 



— - — ■ * 

Deposits, . 


• • '• « 


$38,805 10 




Profits, 


• • • • 


1,054 75 




Public Funds, . 


• • • • 




$4,800 00 


Bank Stock, 


• • • • 




2,290 50 


Loans on Real Estate, 


• • • • 




3,000 00 


on Personal Security, 




17,400 00 


to Counties, Cities and Towns, 




11,000 00 


Expense Account, 


• • • a 




2 00 


Cash on hand, . 


a • • • 




707 35 




$39,859 85 


$39,859 85 



Number of Depositors, 

Jlnte of ordinary dividends for the last year, 

Xo extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



236 
8 per cent. 

$2,290 50 
50 00 



1869.] 



PUBLIC DOCUMENT— No. 8. 



BARNSTABLE SAVINGS BANK-BARNSTABLE. 

[August 14.] 
Josiah Hinckley, President. Treasurer, John Munroe. 



Deposits, 


$805,038 24 


• 


Profits, . . . . * 






2,505 15 




Dividend Account, . 






24,386 64 




Public Funds, . 








$246,500 00 


Bank Stock, 








154,706 56 


Real Estate, 








3,500 00 


Loans on Real Estate, 








251,431 00 


on Personal Security, 






' 


132,140 38 


to Counties, Cities and Towns, 




40,300 00 


Cash on hand, 




3,352 09 






• ■ 


$831,930 03 


$831,930 03 



Number of Depositors, 

Rate of ordinary dividends for the last year, . . 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 
Average annual expenses, 



2,770 
8 per cent. 

$14,900 00 
1,700 00 



BERKSHIRE COUNTY SAVINGS BANK-PITTSFIELD. 

[July 9.] 
Julius Rockwell, President. . Treasurer, Robert W. Adam. 



Deposits, 


$719,586 90 




Profits, 


34,791 02 




Public Funds, 




$306,000 00 


Bank Stock, 




80,620 00 


Loans on Bank Stock, . . . 




5,000 00 


on Real Estate, .... 




126,121 14 


on Personal Security, 


, 


124,410 00 


to Counties, Cities and Towns, 




106,000 00 


Expense Account, 




1,374 25 


Suspense Account, ..... 




2,262 81 


Cash on hand, 




2,589 72 




$754,377 92 


$754,377 92 



Number of Depositors, . . . 2,657 

Rate of ordinary dividends for the last year, 51 per cent. 

Last dividend of reserved profits, in 1867— 2 per cent, per annum, . "$26,710 37 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $8,000 00 

Average annual expenses, 2 250 00 



8 



BANK COMMISSIONER'S REPORT. 



[Jan. 



BEVERLY SAVINGS BANK— BEVERLY. 

[October 9.] 
William Endicott, President. Treasurer, R. G. Bennett. 



Deposits, 


$71,271 71 




Interest, ....... 


651 50 




Bank Stock, 




$5,500 00 


Loans on Public Funds, .... 




8,855 00 


on Bank Stock, .... 




5,800 00 


on Real Estate, .... 




39,050 00 


on Personal Security, 




750 00 


to Counties, Cities and Towns, 




11,000 00 


Expense Account, 




124 88 


Cash on hand, 




843 33 




$71,923 21 


$71,923 21 



Rate of ordinary dividends for the last year, 

Largest amount invested in tbe stock of any one bank, 

Average annual expenses, 



6 per cent. 
$3,000 00 
150 00 



BOSTON FIVE CENTS SAVINGS BANK— BOSTON. 

[February 13.] 
Paul Adams, President. Treasurer, A. H. Evans. 



Deposits, 


$6,543,172 17 




Profits, .... 


» • • ■ 


246,543 53 




Suspense Account, . 


• • • • 


6,906 19 




Public Funds, . 


» • • • 




$2,464,900 00 


Bank Stock, 


• • • • 




334,887 50 


Railroad Bonds, 


• • • • 




100,000 00 


Real Estate, 


t • ■* ♦ 




104,712 86 


Loans on Public Funds, . 


• • • 




2,000 00 


on Real Estate, 


► • • • 




3,055,900 00 


on Personal Security, 




116,000 00 


to Counties, Cities and Towns, 




342,900 00 


to Banks, on interest, 




340,975 88 


Expense Account, 




25,324 06 


Cash on hand, ...... 




6,086 12 




• 


$6,893,686 42 


$6,893,686 42 



Number of Depositors, 45,896 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1864—1 per cent, per annum, . $85,728 35 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . 543,300 00 

Average annual expenses, 15,675 00 



1869.] 



PUBLIC DOCUMENT— No. 8. 



BOSTON PENNY SAVINGS BANK— BOSTON. 

[January 24.] 

Daniel Harwood, President. Treasurer, Henry R. Reynolds. 



Deposits, 


$272,495 27 




Profits, 






8,155 41 




Public Funds, . 








$71,000 00 


Railroad Bonds, 








10,000 00 


Real Estate, 








27,467 60 


Loans on Public Funds, . 








50,000 00 


on Bank Stock, 








25,300 00 


on Real Estate, 








63,860 00 


on Personal Security, 








14,000 00 


on Railroad Stock, . 








4,700 00 


Expense Account, . 








3,847 54 


Cash on hand, . 








10,475 54 








$280,650 68 


$280,650 68 



Number of Depositors, 4,214 

Rate of ordinary dividends for the last year, 5 per cent. 

Extra dividends are made once in Five years. 

Average annual expenses, $3,000 00 



BRIGHTON FIVE CENTS SAVINGS BANK— BRIGHTON. 

[June 5.] 
James Dana, President. Treasurer, J. L. Ordway. 



Deposits, . 
Profits, 

Public Funds, . 
Bank Stock, 
Loans on Bank Stock, 
on Real Estate, 
Suspense Account, . 
Expense Account, 
Cash on hand, . 



$46,091 87 
968 35 



$47,060 22 



$23,945 00 

3,095 00 

2,500 00 

16,100 00 

116 84 

296 33 

1,007 05 



$47,060 22 



Number of Depositors, 408 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1867 — 5£ per cent, per annum, . $1,877 37 

Extra dividends are made once in Three years. 

Average annual expenses,. $400 00 



10 



BANK COMMISSIONER'S REPORT. 



[Jan. 



BRISTOL COUNTY SAVINGS BANK— TAUNTON. 

[August 25.] 
Joseph Wilbar, President. Treasurer, George B. Atwood. 



Deposits, 


$1,267,645 69 




Profit and Loss, 


20,837 38 




Interest, 


34,373 54 




Public Funds, 




$144,733 12 


Bank Stock, ...... 




45,114 00 


Real Estate, . . 




0,600 00 


Loans on Public Funds, .... 




26,400 00 


on Bank Stock, .... 




200 00 


on Real Estate, .... 




508,797 41 


on Personal Securitv r , 




270,266 58 


on Railroad Stock, .... 




3,000 00 


to Counties, Cities and Towns, 




2,600 00 


Expense Account, 




1,350 78 


Cash on band, 




10,794 72 




$1,322,856 61 


$1,322,856 61 



Number of Depositors, 

Bate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



5,49G 
6 per cent. 

$14,477 00 
5,000 00 



CAMBRIDGE SAVINGS BANK— CAMBRIDGE. 

[October 22.] 

Stephen T. Farwell, President. Treasurer, Ebfn Snow. 



Deposits, ....... 


$656,789 81 




Profits, ..... 








25,359 83 




Public Funds, . 










$148,151 71 


Bank Stock, 










2,520 00 


Loans on Public Funds, . 










4,100 00 


on Real Estate, 










491,143 00 


on Personal Security, 










31,380 00 


Expense Account, 










1,081 01 


Cash on hand, .... 










3,767 92 




$682,149 64 


$682,149 64 




2,527 


Hate of ordinary dividends for the last year, .... 


6 per cent. 


LaM dividend of reserved profits, in 18G5— 2} percent, per annum. 




Extra dividends are made once in 


Five years. 


LargeM amount invested in the stock of any one bank, 


$2,520 00 




1,000 00 



Aft 



1869.] 



PUBLIC DOCUMENT— No. 8. 



11 



CAMBRIDGEPORT SAVINGS BANK-CAMBRIDGEPORT. 

[October 6.] 
Benjamtn Tilton, President. Treasurer, Lucius R. Paige. 



Deposits, 


$166,554 07 




Profits, ....... 


7,444 21 




Public Funds, 




$94,000 00 


Bank Stock, ...... 




17,095 33 


Loans on Public Funds, .... 




10,500 00 


on Bank Stock, .... 




3,000 00 


on Real Estate, .... 




276,800 00 


on Personal Security, 




47,000 00 


to Counties, Cities and Towns, 




4,500 00 


to Banks, on interest, 




20,000 00 


Expense Account, ..... 




2 75 


Cash on band, . . . . 




1,100 20 




$473,998 28 


$473,998 28 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

Last dividend of reserved profits, in 1868—3 3-10 per cent, per annum, 
Extra dividends are made once in . . . ... 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,924. 

6 per cent. 

$24 488 58 
Five years. 
$5,000 00 
823 00 



CANTON INSTITUTION FOR SAVINGS— CANTON. 

[August 21.] 
Charles H. French, President. Treasurer, F. W. Dean. 



Deposits, .... 


• • • 


$133,776 46 




Profits, .... 


• • • 


10,250 08 




Public Funds, . 


* • • 




$45,100 00 


Bank Stock, 


• • • 




8,900 00 


Ileal Estate, 


• • • 




400 00 


Loans on Real Estate, 


• • • ' 




- 68,205 00 


on Personal Security, 


• « • 




15,380 00 


to Counties, Cities and Towns, 




4,0'M) 00 


Expense Account, 


• • • 




498 46 


Cash on hand, . 


• • • 




1,543 08 


• 


$144,026 54 


$144,026 54 



Number of Depositors, 658 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1865. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $6,700 00 

Average annual expenses, 900 00 



12 



BANK COMMISSIONER'S REPORT. 



[Jan . 



CAPE ANN SAVINGS BANK— GLOUCESTER. 

[October 30.] 

Gorham P. Low, President. Treasurer, Alfred Presson. 



Deposits, 


$360,947 52 




Profits, ........ 


21,431 07 




Public Funds, ...... 




$130,000 00 


Bank Stock, 




83,745 6$ 


Loans on Real Estate, .... 




72,935 00 


on Personal Security, 




1,000 00 


to Counties, Cities and Towns, 




89,500 00 


Cash on hand, ...... 




5,197 93 




$382,378 59 


$382,378 59 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

Last dividend of reserved profits, in 1866 — 2 3-5 per cent, per annum, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,735 
5 per cent. 

$18,952 65 
Five years. 
$10,698 50 
1,400 00 



CAPE COD FIVE CENTS SAVINGS BANK— HARWICH. 

[August 14.] 
Nathaniel Snow, President. Treasurer, Obed Brooks. 



Deposits, . 

Profits, . . 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 

Cash on hand, 



$175,535 53 
3,605 58 



$179,141 11 



$40,700 00 
15,555 75 
54,235 10 
51,844 07 
15,500 00 
1,306 19 



$179,141 11 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,393 
6 per cent. 

$14,555 75 
650 00 



1869.] 



public document—No. 8. 



13 



CHARLESTOWN FIVE CENTS SAVINGS BANK-CHARLESTOWN. 

[October 5.] 
P. J. Stoke, President. Treasurer, Amos Stone. 



Deposits, . 

Interest, . 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 

Cash on band, . 



$841,201 42 
15,188 91 



$856,390 33 



$152,850 00 

184,162 50 

14,000 00 

9,000 00 

469,729 63 

20,200 00 

6,448 20 



$856,390 33 



Number of Depositors, "..... 5,093 

Rate of ordinary dividends for tbe last year, 5£ per cent. 

Last dividend of reserved profits, in 1868—3 per cent, per annum, . $32,399 61 

Extra dividends are made once in • Three years. 

Largest amount invested in the stock of any one bank, . . . $33,350 00 

Average annual expenses, 1,000 00 



CHELSEA SAVINGS BANK— CHELSEA. 

[October 1."] 

John H. Osgood, President. Treasurer, Samuel Bassett. 



Deposits, ....... 


$335,144 22 




Interest, ....... 


19,659 12 




Public Funds, . . . 




$54,007 50 


Bank Stock, . . 




24,454 60 


Loans on Real Estate, .... 




182,951 64 


to Counties, Cities and Towns, 




89,272 50 


Expense Account, 




I 1,435 10 


Cash on hand, 




2,682 00 




$354,803 34 


$354,803 34 



Number of Depositors, . . 5,583 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1864 — 2 per cent, per annum, . $6,466 62 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $5,870 00 

Average annual expenses, 1,500 00 



14 



BANK COMMISSIONER'S REPORT. 



[Jan. 



CHICOPEE SAVINGS BANK— CHICOPEE. 

[July 30.] 
Jerome Wells, President. Treasurer, H; II. Harris. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Public "Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 

Cash on hand, . 



$211,185 61 
7,385 97 



$218,571 58 



$29,200 00 
9,200 00 
8,800 00 
8,000 00 

103,176 04 

51,620 00 

8,575 54 



5218,571 58 



Number of Depositors, 830 

Rate of ordinary dividends for the last year, G per cent. 

Last dividend of reserved profits, in 1864—2 per cent, per annum, . $3,307 76 

Extra dividends are made once in ........ Five years. 

Largest amount invested in the stock of any one bank, . , . $5,000 00 

Average annual expenses, . . 1,200 00 



CITIZENS' SAVINGS BANK—FALL RIVER. 

[August 28.] 

Joseph Osborn, President. Treasurer, E. E. Hathaway. 



Deposits, .... 


• • • 


$1,179,772 38 




Profits, .... 


• • • 


35,775 04 




Public Funds, .' 


• • • 




$281,000 00 


Bank Stock, 


• • • 


• 


276,441 50 


Loans on Real Estate, 


• • • 




131,701 00 


on Personal Security, 


• • • 




499,165 00 


to Counties, Cities an< 


i Towns, 




4,442 50 


Expense Account, 


■ m 9 




393 65 


Cash on hand, . 


• • • 




22,403 77 




$1,215,547 42 


$1,215,547 42 



Number of Depositors 

liate of ordinar}' dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



2,185 
7^ per cent. 

$80,000 00 
2,650 00 



1869.] 



public document—No. 8. 



15 



CITY INSTITUTION FOR SAVINGS— LOWELL. 

[April 29.] 
Nathan Allen, President. Treasurer, John A. Buttrick. 



Deposits, „ 

Profits, 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns 
to Banks, on interest, 

Cash on hand, .... 



$2,039,257 40 
169,532 54 



$2,208,789 94 



$454,657 00 

331,775 00 

69.000 00 

27,600 00 

440,065 00 

132,500 00 

669,100 00 

80,000 00 

4,092 94 



$2,208,789 94 



Number of Depositors, . 6,853 

Rate of ordinary dividends for the last year, 4£ per cent. 

Last dividend of reserved profits, in 1868 — 3 2-5 per cent, per annum, $176,407 19 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, ... $30,000 00 

Average annual expenses, 4,600 00 



tzMU^^' 



CLINTON SAVINGS BANK- 
[May 12.] 
Franklin Forbes, President. 



-CLINTON. 



Treasurer, C. L. S. Hammond. 



Deposits, 


$228,068 02 




Profits, 








4,355 62 




Dividend unpaid, 








4,372 65 




Public Funds, . 










$105,000 00 


Bank Stock, 










20,000 00 


Loans on Public Funds, 










7,225 00 


on Bank Stock, 










1,000 00 


on Real Estate, 










30,605 00 


on Personal Security, 








29,450 00 


to Counties, Cities and Towns, 




39,000 00 


Cash on hand, 




4,516 29 






• 




$236,796 29 


$236,796 29 



Number of Depositors, 1,060 

Rate of ordinary dividends for the last year, -5 per cent. 

Last dividend of reserved profits, in 1866— 1J per cent, per annum, . $4,623 07 

Extra dividends are made once in . . Five years. 

Largest amount invested in the stock of any one bank, . . . $20,000 00 

Average annnal expenses, 600 00 



16 



BANK COMMISSIONER'S REPORT. 



[Jan. 



COHASSET SAVINGS BANK— COHASSET. 

[September 11.] 

Abraham H. Tower, President. Treasurer, Levi N. Bates 



Deposits, . 


$191,881 89 




Profits, ....... 


2,484 78 




Public Funds, 




$75,000 00 


Bank Stock, 




32,700 00 


Loans on Real Estate, .... 




72,650 00 


to Counties, Cities and Towns, 




13,000 00 


Cash on hand, 




1,016 67 




$191,366 67 


$194,366 67 



Number of Depositors, 687 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1867 — 2 per cent, per annum, . $11,355 46 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $3,000 00 

Average annual expenses, 900 00 



DANVERS SAVINGS BANK— DANVERS. 

[October 16.] 

Rufus Putnam, President. Treasurer, William L. Weston. 



Deposits, . 


• • • • 


$430,715 77 




Interest, . 


• A 






29,728 26 




Public Funds, . 


• 1 








$270,200 00 


Bank Stock, 


• 








78,300 00 


Loans on Public Funds, 


• • 








1,000 00 


on Bank Stock, 


• « 








585 00 


on Real Estate, 


• 1 








78,700 00 


on Personal Security, 








8,492 90 


to Banks, on interest, 








22,904 40 


Expense Account, . 


• 








261 73 










$460,444 03 


$460,444 03 



r 



Number of Depositors, .... 

Rate of ordinary dividends for the last year, 

Last dividend of reserved profits, in 3865 — ljfper cent, per annum, 

Extra dividends are made once in .... 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,950 
6 per cent. 

$16,634 68 
Five years. 
$18,000 00 
1,000 00 



1869.] 



public document—No. 8. 



17 



DEDHAM INSTITUTION FOR SAVINGS— DEDHAM. 

[May 26.] 
E. Burgess, President. Treasurer, C. Guild. 



Deposits, 


$667,513 32 




Profits, 


» • • • 


36,464 95 




Public Funds, . 


• ■ • 




$71,000 00 


Bank Stock, 


> • • • 




32,452 00 


Loans on Public Funds, . 


• • • 




4,050 00 


on Bank Stock, 


» • • • 




2,200 00 


on Real Estate, 


» • • • 




526,038 56 


on Personal Security, 




31,450 00 


to Counties, Cities and Towns, 




24,600 00 


to Banks, on interest, 




11,188 56 


Suspense Account, 




251 64 


Cash on hand, 




747 51 






$703,978 27 


$703,978 27 



Number of Depositors, if. 2,883 

Rate of ordinary dividends for the last year, n/fa .... 4 per cent. 

Last dividend of reserved profits, in 1866-^j/per cent, per annum, . $48,057 03 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $12,987 50 

Average annual expenses, 975 00 



DORCHESTER SAVINGS BANK— DORCHESTER. 

[September 16.] 

Daniel Denny, President. Treasurer, Edward Pierce. 



Deposits, 


$233,020 68 




Profits, 


3,967 33 




Public Funds, 




$61,876 00 


Bank Stock, 




28,275 00 


Loans on Real Estate, .... 




107,715 00 


on Personal Security, 




35,300 00 


to Counties, Cities and Towns, 




2,000 00 


Cash on hand, 




1,822 01 




$236,988 01 


$236,988 01 



Number of Depositors, 1,030 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1868 — 1£ per cent, per annum, . $13,417 02 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $4,000 00 

Average annual expenses, 850 00 



18 



BANK COMMISSIONER'S REPORT. 



[Jan. 



EAST ABINGTON SAVINGS BANK-EAST ABINGTON. 

[September 23.] 
Sumner Shaw, President. Treasurer, Zenas Jenkins. 



Deposits, 

Cash overdrawn, ..... 

Bank Stock, 

Loans on Real Estate, .... 
Expense Account, 


$7,251 00 
394 60 


$2,350 60 

5,250 00 

45 00 




$7,645 60 


$7,645 60 


Commenced business in 1868. 




64 
Five years. 



EAST BOSTON SAVINGS BANK— BOSTON. 

[January 31.] 
P. M. Crane, President. Treasurer, Albert Bowkek. 



Deposits, . 

Profits, 

Interest, . 

Public Funds, 

Bank Stock, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns 
to Banks, on interest, 

Cash on hand, .... 



$290,776 39 

22,185 55 

5,331 35 



$318,293 29 



$115,000 00 

50,047 70 

5,000 00 

11,500 00 

79,948 75 

22,650 00 

8,850 00 

24,455 14 

841 70 



$318,293 29 



Number of Depositors, 

Rate of ordinary dividends for the last j'ear, .... 

Last dividend of reserved profits, in 1861—1 per cent, per annum, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 
Average annual expenses, 



1,100 
5 per cent. 

$5,008 96 
Five years. 
$10,000 00 
1,200 00 



1869.] 



PUBLIC DOCUMENT— No. 8. 



19 



EAST CAMBEIDGE FIVE CENTS SAVINGS BANK-EAST CAMBRIDGE. 

[September 17.] 
George Stevens, President. Treasurer, John Savage, Jr. 



Deposits, . 


• 


• • • 


$349,037 51 




Profits, . . • 


• 


• • * 


13,717 98 




Public Funds, . ■ * 


* 


• • • 




$95,100 00 


Bank Stock, 


• 


• • • 




31,868 47 


Loans on Real Estate, 


• 


• • • 




204,475 00 


to Counties, Cities and Towns, 




20,000 00 


Expense Account, 


• 


• • • 




1,636 68 


Cash on hand, . 


• 


• • • 




9,675 34 




$362,755 49 


$362,755 49 



Number of Depositors, 3,000 

Rate of ordinary dividends for the last year, . ■ . . . . 4 per cent. 

Last dividend of reserved profits, in 1866 — 4 per cent, per annum, . $13,489 81 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $4,610 00 

Average annual expenses, 550 00 



ELIOT FIVE CENTS SAVINGS BANK— BOSTON. 

[February 14.] 
William S. Leland, President. Treasurer, C. R. Washburn. 



Deposits, 


$198,060 13 




Profits, 






11,479 05 




Public Funds, .... 








$49,000 00 


Bank Stock, .... 








48,200 00 


Railroad Bonds, 








10,000 00 


Loans on Public Funds, . 








8,000 00 


on Bank Stock, 








3,150 00 


on Real Estate, 








60,800 00 


on Personal Security, 








28,000 00 


Expense Account, . 








566 08 


Cash on hand, .... 








1,823 10 


>/ 






$209,539 18 

1 


$209,539 18 



Number of Depositors, 

Rate of ordinary dividends for the last year, 
Extra dividends are made once in .... 
Largest amount invested in the stock of any one bank, 
Average annual expenses, 



1,834 
4 per cent. 
Five years. 
$12,000 00 

1,100 00 



20 



BANK COMMISSIONER'S REPORT. 



[Jan. 



ESSEX SAVINGS BANK— LAWRENCE. 

[October 23.] 

George D. Cabot, President. Treasurer, James H. Eaton. 



Deposits, 


$1,223,494 66 




Profits, 


22,935 23 




Public Funds, 




$548,500 00 


Bank Stock, 




151,250 00 


Loans on Real Estate, .... 




221,833 61 


on Personal Security, 




173,342 00 


to Counties, Cities and Towns, 




107,000 00 


to Banks, on interest, . . . 




24,499 00 


Cash on hand, 




20,005 28 




$1,246,429 89 


$1,246,429 89 



Number of Depositors, 4,826 

Rate of ordinary dividends for the last year, "£;« 6 per cent. 

Last dividend of reserved profits, in 1867— 6j(per cent, per annum, . $104,959 11 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $19,500 00 

Average annual expenses, 2,200 00 



FAIRHAVEN INSTITUTION FOR SAVINGS— FAIRHAVEN. 

[August 26.] 
I. F. Terry, President. Treasurer, Charles Drew. 



Deposits, 




$322,033 86 




Profits, 






17,138 


88 




Public Funds, .... 










$147,500 00 


Bank Stock, .... 










100,700 00 


Heal Estate, .... 










3,500 00 


Loans on Public Funds, . 










2,225 00 


on Bank Stock, 










14,707 26 


on Real Estate, 










5,481 32 


on Personal Security, 










24,378 54 


to Counties, Cities and Towns, 






33,380 00 


Cash on hand, 






7,300 62 








$339,172 


74 


$339,172 74 



Number of Depositors, 835 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $23,100 00 

Average annual expenses, 1,000 00 



1869.] 



PUBLIC DOCUMENT— No. 8. 



21 



FALL RIVER FIVE CENTS SAVINGS BANK-FALL RIVER. 

[August 28.] 
S. Angier Chase, President. Treasurer, C. J. Holmes. 



Deposits, .... 

Interest, .... 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
Expense Account, . 
Cash on hand, . 



$600,505 18 
20,248 33 



$620,753 51 



$287,000 00 

138,000 00 

35,800 00 

151,375 00 

4,977 84 

3,600 67 



$620,753 51 



Number of Depositors, . • . 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



3,611 
7£ per cent. 

$30,000 00 
1,200 00 



FALL RIVER SAVINGS BANK— FALL RIVER. 

[August 28.] 
J. B. French, President. Treasurer, J. F. Lindsey. 



Deposits, .... 

Interest, .... 

Public Funds, . 

Bank Stock, 

Real Estate, 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 

Cash on hand, . 



$2,969,198 11 
213,497 61 



$3,182,695 72 



$1,035,000 00 

587,600 00 

10,800 00 

219,905 00 

1,185,653 00 

94,000 00 

49,737 72 



$3,182,695 72 



Number of Depositors, . . . . ... 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



7,617 
8 per cent. 

$75,600 00 
4,000 00 



22 



BANK COMMISSIONER'S REPORT. 



[Jan. 



FITCHBURG SAVINGS BANK— FITCHBURG. 

[May 5.] 
Nathaniel "Wood, President. Treasurer, Ebenezer Torrey. 



Deposits, 


$1,208,290 82 




Profits, 


62,012 04 




Public Funds, 




$225,000 00 


Bank Stock, 




162,300 00 


Railroad Bonds, 




2,700 00 


Loans on Public Funds, .... 




32,350 00 


on Bank Stock, .... 




3,000 00 


on Real Estate, .... 




347,431 57 


on Personal Security, 




257,425 40 


on Railroad Stock, .... 




26,000 00 


to Counties, Cities and Towns, 




183,600 00 


Expense Account, 




621 25 


Cash on hand, 




29,874 64 




$1,270,302 86 


$1,270,302 86 



Number of Depositors 5,022 

Rate of ordinary dividends for the last year, 5 per cent- 
Last dividend of reserved profits, in 1866 — 1£ per cent, per annum, . $45,236 78 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $20,000 00 

Average annual expenses, 2,400 00 



FOXBOROUGH SAVINGS BANK— FOXBOROUGH. 

[September 8.] 
Otis Cary, President. Treasurer, William H. Thomas. 



Deposits, .... 

Profits, .... 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 

Cash on hand, 



$64,298 93 
1,629 63 



$65,928 56 



$9,300 00 
4,700 00 

38,985 00 
5,185 00 
3,500 00 
4,258 56 



$65,928 56 



Number of Depositors, 

Rate of ordinarj' dividends for the last year, .... 

Last dividend of reserved profits, in 1866 — 2£ percent, per annum, 

Extra dividends arc made once in 

Largest amount invested in the stock of any one bank, 
Average annual expenses, 



502 
5 per cent. 

$1,686 97 
Five years. 
$1,200 00 
150 00 



1869.] 



PUBLIC DOCUMENT— No. 8. 



23 



FRAMINGHAM SAVINGS BANK— FRAMINGHAM. 

[November 20.] 
Moses Edgell, President. Treasurer, C. S. Adams. 



Deposits, 


$441,942 09 


i 


Profits, .... 


i • • • 


17,164 35 




Public Funds, . 


• • • 




$110,500 00 


Bank Stock, . 


• • • 




91,800 00 


Railroad Bonds, 


• • • 




25,000 00 


Real Estate, 


• • • 




2,450 00 


Loans on Public Funds, 


t • • • 


/ 


27,411 25 


on Bank Stock, 


• • • • 




10,000 00 


on Real Estate, 


• • • 




171,035 00 


on Personal Security, 




2,728 00 


to Counties, Cities and Towns, 




7,775 00 


Expense Account, 




1,077 32 


Cash on hand, 




9,329 87 






$459,106 44 


$459,106 44 



Number of Depositors, 1,950 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1866, $15,816 93 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $16,000 00 

Average annual expenses, 1,100 00 



FRANKLIN SAVINGS BANK— BOSTON. 

[February 26.] 

Osmyn Brewster, President. Treasurer, Henry "Whittemore. 



Deposits, . 


• • • • 


$1,378,900 11 




Profits, 


• 






16,404 45 




Interest, . 


• i 






2,663 22 




Public Funds, . 


• 








$545,445 42 


Bank Stock, 


• 








71,291 71 


Railroad Bonds, 


• i 








9,737 50 


Loans on Real Estate, 


• i 








598,603 00 


on Personal Security, 








36,950 00 


Expense Account, 


• 








381 51 


Cash on hand, . 


• 








135,558 64 










$1,397,967 78 

i 


$1,397,967 78 



Number of Depositors, 

Rate of ordinary dividends for the last year, .... 

Last dividend of reserved profits, in 1867 — 5 per cent, per annum, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 
Average annual expenses, about 



4,556 

4 and 6 per cent. 

$46,256 80 

Three years. 

$24,417 75 

3,500 00 



24: 



BANK COMMISSIONER'S REPORT. 



[Jan. 



FRANKLIN SAVINGS INSTITUTION—GREENFIELD. 

[June 17.] 
Henry W. Clapp, President. Treasurer, Wm. Henry Allew. 



Deposits, 

Profits, 

Public Funds, 

Bank Stock, 

Loans on Public Funds, .... 

on Bank Stock, .... 

on Real Estate, .... 


$1,199,657 41 
52,517 10 


$673,300 00 

52,600 00 

49,885 00 

41,400 00 

213,252 30 


on Personal Security, 

to Counties, Cities and Towns, 




146,510 17 
52,467 86 


to Banks, on interest, 




47 53 


Expense Account and Taxes, . 

Cash on hand, 


i 


3,530 84 
19,180 81 




$1,252,174 51 


$1,252,174 51 



Number of Depositors, 

Rate of ordinary dividends for the kwfyear, /!&«. 
Last dividend of reserved profits, in 1867 — 3 per centX^v* 
Extra dividends are made once in .... 
Largest amount invested in the stock of any one bank, 
Average annual expenses, 



4,411 
5jper cent. 

$74,085 15 
Five years. 
$20,400 00 
2,800 00 



GARDNER SAVINGS BANK— GARDNER. 

[November 13.] 

Charles Heywood, President. Treasurer, John D. Edgell. 



Deposits, .... 
Profits, .... 
Bank Stock, 
Loans on Real Estate, 

on Personal Security, 
Expense Account, 
Cash on hand, . 



$21,445 90 
195 14 



821,641 04 



$1,248 00 

11,275 00 

5,000 00 

193 15 

3,924 89 



$21,641 04 



Number of Depositors, 

Commenced business July, 1868. 

Largest amount invested in the stock of any one bank, 



150 
$1,248 00 



1869.] 



PUBLIC DOCUMENT— No. 8. 



25 



HAMPDEN SAVINGS BANK— SPRINGFIELD. 

[July 29.] 
Stephen C. Bemis, President. Treasurer, F. S. Bailey. 



Deposits, . 


1475,596 19 




Profits, .... 








11,751 43 




Public Funds, . 










$111,395 00 


Bank Stock, 










83,300 50 


Railroad Bonds, 










5,000 00 


Loans on Public Funds, . 








• 


17,400 00 


on Bank Stock, 










29,264 04 


on Real Estate, 










186,700 00 


on Personal Security, 








44,505 00 


Expense Account and Taxes, 








1,970 98 


Cash on hand, . 








7,812 10 










$487,347 62 


$487,347 62 



Rate of ordinary dividends for the last year, .... 
Last dividend of reserved profits, in 1868 — 3 per cent, per annum. 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 
Average annual expenses, 



6 per cent. 

Three years. 
$19,100 00 
1,100 00 



HAVERHILL SAVINGS BANK— HAVERHILL. 

[November 10.] 

John A. Appleton, President. Treasurer, A. B. Jaques. 



Deposits, 


$1,511,064 83 




Profits, ....... 


67,512 61 




Public Funds, . . . . 




$640,000 00 


Bank Stock, 




269,600 00 


Loans on Public Funds, .... 




5,850 00 


on Bank Stock, .... 




6,400 00 


on Real Estate, . . ... 




519,650 00 


on Personal Security, 




21,700 00 


to Counties, Cities and Towns, 




79,300 00 


Expense Account, 




211 82 


Cash on hand, 




35,865 62 




$1,578,577 44 


$1,578,577 44 



Number of Depositors, 5,874 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1864— 1£ per cent, per annum, . $50,045 35 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $26,700 00 

Average annual expenses, 2,300 00 



4 



26 



BANK COMMISSIONER'S REPORT. 



[Jan. 



HINGHAM INSTITUTION FOR SAVINGS-HINGHAM. 

[September 18.] 
Isaac Barnes, President. Treasurer, H. C. Harding. 



Deposits, 


$886,913 16 




Profits, 


39,953 53 




Public Funds, . 




$287,800 00 


Bank Stock, 




128,000 00 


Real Estate, 




1,921 03 


Loans on Public Funds, .... 




4,500 00 


on Bank Stock, .... 




6,150 00 


on Real Estate, .... 




475,980 00 


on Personal Security, 




10,200 00 


to Counties, Cities and Towns, 




4,750 00 


Expense Account, 




957 79 


Cash on hand, 




6,607 87 




$926,866 69 


$926,866 69 



Number of Depositors, 3,002 

Rate of ordinary dividends for the last year, ^ 6 per cent. 

Last dividend of reserved profits, in 1865— ^i per cent, per annum, . $29,696 41 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $15,000 00 

Average annual expenses, 1,800 00 



HOPKINTON SAVINGS BANK— HOPKIN TON. 

[June 9.] 
L. H. Bovy'ker, President. Treasurer, 11. F. Clafltn. 



Deposits, ....... 


$12,423 16 




Profits, ....... 


8 72 




Due Hopkinton National Bank, 


29 47 




Public Funds, 




$321 88 


Loans on Real Estate, .... 




3,200 00 


on Personal Security, 




300 00 


to Counties, Cities and Towns, 




8,400 00 


Expense Account, 




239 47 




$12,461 35 


$12,461 35 



Number of Depositors, 134 

Kate of ordinary dividends for the last year, 5 per cent. 

Commenced business in 1867. 

Extra dividends are made once in ....... Five years. 

Average annual expenses, $75 00 



1869.] 



PUBLIC DOCUMENT— No. 8. 



27 



HOLYOKE SAVINGS BANK— HOLYOKE. 

[Jul}' 30.] 

Joel Russell, President. Treasurer, R. B. Johnson. 



Deposits, 


$186,728 99 




Profits, .... 


• • • 


5,365 97 




Suspense Account, . 


t • • • 


1,400 00 




Public Funds, . 


i • ■ • • 




$20,057 75 


Bank Stock, 


• • • • 




12,069 50 


Loans on Public Funds, . 


• • • 




6,900 00 


on Bank Stock, 


i • • • 




900 00 


on Real Estate, 


♦ • • 




69,278 00 


on Personal Security, 




49,649 00 


to Counties, Cities and Towns, 




24,275 00 


Expense Account, 




298 22 


Cash on hand, 




10,067 49 






$193,494 96 


$193,494 96 



Number of Depositors, 

Bate of ordinary dividends for the last year, .... 

Last dividend of reserved profits, in 1865—2 per cent, per annum, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 
Average annual expenses, 



950 
6 per cent. 

$1,736 37 
Five years. 
$6,685 00 
500 00 



HYANNIS SAVINGS BANK— HYANNIS. 

[August 17.] 
S. B. Phinney, President. Treasurer, Joseph R. Hall. 



Deposits, .... 
Loans on Real Estate, 

on Personal Security, 
Cash on hand, . 




$825 00 

5,900 00 

724 00 



$7,449 00 



Number of Depositors, . 
Commenced business July 1, 1868. 



71 



28 



BANK COMMISSIONER'S REPORT. 



[Jan. 



INSTITUTION FOR SAVINGS— NEWTON. 

[May 20.] 

George Hyde, President. Treasurer, E. J. Collins. 



Deposits, ....... 


$100,191 18 




Profits, 


3,941 59 




Public Funds, . . * 




$9,500 00 


Bank Stock, 




4,805 00 


Loans on Public Funds, .... 




5,300 00 


on Real Estate, .... 




62,297 55 


on Personal Security, 




12,100 00 


to Counties, Cities and Towns, 




3,125 00 


Expense Account, 




302 94 


Cash on hand, 




6,702 28 




$104,132 77 


$104,132 77 



Number of Depositors, 713 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1864. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $2,000 00 

Average annual expenses, 300 00 



INSTITUTION FOR SAVINGS— NEWBURYPORT. 

[October 27.] 
Edward S. Morley, President. Treasurer, Richard Stone. 



Deposits, 


$2,536,535 16 




Profits, ..... 




90,378 35 




Public Funds, .... 






$928,994 25 


Bank Stock, .... 






788,600 00 


Railroad Bonds, . . . . 






24,700 00 


Stock of Fifty Associates, 






25,000 00 


Loans on Public Funds, . 






27,350 00 


on Bank Stock, 






3,500 00 


on Real Estate, 






398,860 26 


on Personal Security, 






55,234 00 


to Counties, Cities and Towns 






285,930 00 


to Corporations, 






1,150 00 


to Banks, on interest, 






75,717 33 


Annuity in Trust, 






8,949 96 


Expense Account, .... 






2,002 58 


Cash on hand, .... 






925 13 






$2,626,913 51 


$2,626,913 51 



Number of Depositors, 7,787 

Kate of ordinary dividends for the last year, 7 per cent. 

Last dividend of reserved profits, in 18G5— 1 8-10 per cent, per annum, $102,045 39 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $50,800 00 

Average annual expenses, 4,700 00 



1869.] 



PUBLIC DOCUMENT— No. 8. 



29 



INSTITUTION FOR SAVINGS IN ROXBURY AND ITS VICINITY— BOSTON. 

[March 5.] 
Almon D. Hodges, President. Treasurer, Edward Richards. 



Deposits, 


$1,069,386 66 




Profits, .... 






81,105 73 




Public Funds, . . • 






* 


$389,088 65 


Bank Stock, .... 








178,396 97 


Loans on Public Funds, . 








85,671 93 


on Bank Stock, 








12,290 00 


on Real Estate, 








276,544 17 


on Personal Security, 








107,500 00 


to Counties, Cities and Towns, 




65,000 00 


Cash on hand, ...... 




36,000 67 








$1,150,492 39 


$1,150,492 39 



Number of Depositors, 4,017 

Rate of ordinary dividends for the last year, 4 per cent. 

Last dividend of reserved profits, in 1865 — 3| per cent, per annum, . $76,845 42 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $40,272 50 

Average annual expenses, 3,400 00 



LANCASTER SAVINGS BANK— LANCASTER. 

[May 12.] 
Henry Wilder, President. Treasurer, C. T. Symmes. 



Deposits, . 


• • • • 


$428,344 68 




Profits, . 


\ • ' • • 


20,728 13 




Public Funds, . 


» • • • 




$242,000 00 


Bank Stock, 


I • • ' a 




46,300 00 


Railroad Bonds, 


t • • • 




10,000 00 


Loans on Public Funds, 


i • • • 




2,600 00 


Bank Stock, . 


* • • • 




2,000 00 


on Real Estate, 


• • • 




113,935 80 


Personal Security, . 


• • • 




17,316 67 


to Counties, Cities a 


aid Towns, 




5,000 00 


Expense Account, . 


» • • • 




300 00 


Cash on hand, . 


i • • • 




9,620 34 




$449,072 81 


$449,072 81 



Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1868 — 2 per cent, per annum, . $20,855 64 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $8,300 00 

Average annual expenses, 887 00 



30 



BANK COMMISSIONER'S REPORT. 



[Jan. 



LAWRENCE SAVINGS BANK— LAWRENCE. 

[October 23.] 

Milton Bonney, President. Treasurer, William R. Spaulding. 



Deposits, .... 

Interest, .... 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
Expense Account, 
Cash on hand, . 



$44,403 01 
164 15 



$44,567 16 



$6,471 37 
2,215 00 

23,812 00 

6,600 00 

414 10 

5,054 69 



$44,567 16 



Number of Depositors, . 
Commenced business May 14, 1868. 



484 



LEE SAVINGS BANK— LEE. 

[July 8.] 



Harrison Garfield, President. 



Treasurer, J. L. Kilborn. 



Deposits, 


$195,491 64 




Interest, ....... 


2,246 


67 




Public Funds, 






$125,500 00 


Bank Stock, ...... 






9,957 83 


Loans on Public Funds, .... 






300 00 


on Real Estate, .... 






31,873 00 


on Personal Security, 






15,950 00 


to Counties, Cities and Towns, 






8,000 00 


to Banks, on interest, 






5,000 00 


Expense Account, ..... 






760 45 


Profit and Loss, 






367 75 


Cash on hand, 






29 28 




$197,73S 31 


$197,738 31 



Number of Depositors, 931 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 3867 — 4-5 of 1 per ct. per annum, $4,721 17 

Kxtra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $5,424 50 

Average annual expenses, 450 00 



1869.] 



PUBLIC DOCUMENT— No. 8. 



31 



LEOMINSTER SAVINGS BANK— LEOMINSTER. 

[May 5.] 
Leonard Burkage, President. Treasurer, J. C. Allen. 



Deposits, . 

Profits, 

Public Funds, . 

Loans on Public Funds, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns 

Expense Account, . 

Cash on hand, . 



t2,487 99 
349 03 



$42,837 02 



$10,510 72 
4,000 00 
16.800 00 
6,750 00 
1,000 00 
366 43 
3,409 87 



12,837 02 



Number of Depositors, 325 

Rate of ordinary dividends for the last year, 5 per cent. 

Commenced business in 1867. 

Extra dividends are made once in Five years. 

Average annual expenses $250 00 



LOWELL FIVE CENTS SAVINGS BANK-LOWELL. 

[April 28.] 
Horatio Wood, President. Treasurer, A. S. Tyler. 



Deposits, ....... 


$1,342,701 69 




Profits, .... 


i • • • 


20,697 48 




Public Funds, . 


* • -■ • • 




$312,980 00 


Bank Stock, 


i • • • 




121,700 00 


Railroad Bonds, 


» • • • 




27,225 00 


Loans on Public Funds, 


* • • • 




17,000 00 


on Bank Stock, 


!•••■• 




4,100 00 


on Real Estate, 


• • • 




533,820 00 


on Personal Security, 




5,900 00 


to Counties, Cities and Towns, 




215,715 00 


to Banks, on interest, 




25,000 00 


Cash on hand, 




99,959 17 






$1,363,399 17 


$1,363,399 17 



Number of Depositors, 6,452 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1866—3 per cent, per annum, . $52,328 52 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $15,000 00 

Average annual expenses, 2,700 00 



32 



BANK COMMISSIONER'S REPORT. 



[Jan. 



LOWELL INSTITUTION FOR SAVINGS— LOWELL. 

[April 28.] 
Theodore Edson, President. Treasurer, James G. Carney. 



Deposits, 


$1,272,018 13 




Profits, 


100,915 59 




Public Funds, 




$671,000 00 


Bank Stock, 




20,300 00 


Real Estate, 




20,334 06 


Loans on Bank Stock, .... 




3,000 00 


on Real Estate, .... 




106,250 00 


to Counties, Cities and Towns, 




427,875 00 


to Banks, on interest, 




124,000 00 


Cash on hand, 




174 66 


i 


$1,372,933 72 


$1,372,933 72 



Number of Depositors, 4,929 

Rate of ordinary dividends for the last year, 4 per cent. 

Last dividend of reserved profits, in 1865—4 3-8 per cent, per annum, $105,772 10 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $14,000 00 

Average annual expenses, 3,400 00 



LYNN FIVE CENTS SAVINGS BANK— LYNN. 

[October 7.] 
Thomas B. Newhall, President. Treasurer, B. V. French. 



Deposits, 


$470,348 96 




Interest, . 




* • • • 


10,510 43 




Suspense Account, . 




• • • 


4,644 14 




Public Funds, . 




i • • • 




$109,975 54 


Bank Stock, 




• • • • 




77,566 40 


Railroad Bonds, 




• • • 




10,000 00 


Real Estate, 




i • • • 




15,004 71 


Loans on Bank Stock, 


• • • 




4,750 00 


on Real Estate, 


» • • • 




215,505 C7 


on Personal Security, 




12,210 84 


to Counties, Cities and Towns, 




23,000 00 


to Banks, on interest, 




17,216 67 


Expense Account, 




273 70 








$485,503 53 


$485,503 53 



Number of Depositors, 3,766 

Rate of ordinary dividends for the last year, 6£ per cent. 

Last dividend of reserved profits, in 1865 — 1§ per cent, per annum, . $4,435 16 
No extra dividends will hereafter be made. 

Largest amount invested in the stock of any one bank, . . . $27,619 50 

Average annual expenses, 1,300 00 



1869.] 



PUBLIC DOCUMENT— No. 8. 



33 



LYNN INSTITUTION FOR SAVINGS— LYNN. 

[October 7.] 
Joseph N. Sanderson, President. Treasurer, Amos Rhodes. 



Deposits, . 

Interest, . 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 
on Bank Stock, 
on Peal Estate, 
on Personal Security, 
to Counties, Cities and Towns 
to Banks, on interest, 

Expense Account, . 

Cash on hand, .... 



$578,632 35 
45,345 16 



$623,977 51 



$95,000 00 

46,500 00 

2,600 00 

6,250 00 

300,618 00 

21,390 00 

123,700 00 

25,954 45 

1,229 13 

735 93 



,977 51 



Number of Depositors, 2,773 

Kate of ordinary dividends for the last year, 5£ per cent. 

Last dividend of reserved profits, in 186JC— 1 per cent, per annum, . $11,827 79 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $10,000 00 

Average annual expenses, . 1,700 00 



MALDEN SAVINGS BANK— MALDEN. 

[September 30.] 

Henry Barrett, President. Treasurer, Charles Merrill. 



Deposits, 

Interest, 

Public Funds, 

Bank Stock, ..... 
Loans on Real Estate, 

to Counties, Cities and Towns, 
Expense Account, .... 
Cash on hand, 



$82,660 19 
2,301 88 



$84,962 07 



$25,000 00 

2,000 00 

38,390 00 

14,900 00 

912 18 

3,759 89 



$84,962 07 



Number of Depositors, 1,050 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1865. 

Extra dividends are made once in Five years. 

Average annual expenses, $300 00 



34 



BANK COMMISSIONER'S REPORT. 



[Jan. 



MARLBOROUGH SAVINGS BANK— MARLBOROUGH. 

[May 13.] 
Mark Fay, President. Treasurer, E. C. Whitney. 



Deposits, ....... 


$201,400 84 




Profits, ...... 




3,323 98 




Public Funds, 






$27,000 00 


Bank Stock, .... 






13,000 00 


Railroad Bonds, 






25,000 00 


Loans on Bank Stock, 






11,500 00 


on Real Estate, 






88,000 00 


on Personal Security, 






32,100 00 


to Counties, Cities and Towns, 




5,000 00 


Cash on hand, 




3,124 82 






$204,724 82 


$204,724 82 



Number of Depositors, 890 

Rate of ordinary dividends for the last year, 8 per cent. 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $13,000 00 

Average annual expenses, 500 00 



MECHANICS' SAVINGS BANK— LOWELL. 

[April 29.] 

"William A. Brooke, President. Treasurer, John F. Rogers. 



Deposits, .... 


• • • 


$791,296 18 




Profits, .... 


• • • 


23,505 30 




Public Funds, . 


• • • 




$387,300 00 


Bank Stock, 


• • • 




95,350 00 


Railroad Bonds, 


• • • 




25,000 00 


Loans on Public Funds, . 


• • • 




2,500 00 


on Real Estate, 


• • • 




227,281 67 


on Personal Security, 


• • • 




6,000 00 


on Railroad Bonds, 


• • • 




4,500 00 


to Counties, Cities and Towns, 




35,000 00 


Expense Account, 


• • • 




837 49 


Cash on hand, . 


• • • 




31,032 32 




$814,801 48 


$814,801 48 



Number of Depositors, 2,283 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 18G7 — 3 per cent, per annum, . SIS, 705 G2 

Extra dividends are made once in Three years. 

Largest amount invested In the stock of any one bank, . . . $15,000 00 

Average annual expenses, 1,400 00 



1869.] 



PUBLIC DOCUMENT— No. 8. 



35 



MERCANTILE SAVINGS INSTITUTION-BOSTON. 

[October 20.] 
Richard Holmes, President. Treasurer, Anson J. Stone. 



Capital Stock, ...... 


$204,900 00 




Deposits, . 


• • • • 


719,940 21 




Interest, . 


• • • • 


17,317 44 




Suspense Account, . 


■ ■ • • • 


843 36 




Public Funds, . 


• • • • 




$82,050 00 


Bank Stock, 


• • • • 




3,800 00 


Railroad Bonds, 


* • • • 




6,000 00 


Real Estate, 


• • • • 




12,958 34 


Loans on Public Funds, 


• • • • 




3,000 00 


on Real Estate, 


• « • • 




677,266 27 


on Personal Securit 


y» • • • 




35,506 21 


to Counties, Cities and Towns, 




103,300 00 


to Banks, on interest, 




13,530 18 


Cash on band, ...... 




5,590 01 






$943,001 01 


$943,001 01 



Number of Depositors, 2,600 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1868—2 per cent, per annum, . $6,705 83 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $1,300 00 

Average annual expenses, 8,200 00 



MIDDLESEX INSTITUTION FOR SAVINGS -CONCORD. 

[March 31.] 
George M. Brooks, President. Treasurer, John M. Cheney. 



Deposits, 


$710,511 26 




Profits, 


40,968 61 




Interest, . . . . 


19,492 98 




Public Funds, 




• $148,000 00 


Bank Stock, 




222,500 00 


Loans on Real Estate, 




303,046 67 


on Personal Security, 




11,825 11 


to Counties, Cities and Towns, 




55,133 22 


Dividend Account, 




16,829 55 


Expense Account, 




737 12 


Cash on hand, 




12,901 18 




$770,972 85 


$770,972 85 



Number of Depositors, 2,906 

Rate of ordinary dividends for the last year, 4 per cent. 

Last dividend of reserved profits, in 1865 — 3| per cent, per annum, . $95,667 20 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $16,700 00 

Average annual expenses, 2,178 00 



36 



BANK COMMISSIONER'S REPORT. 



[Jan. 



M1LFORD SAVINGS BANK— MILFORD. 

[May 15.] 

Orison Underwood, President. Treasurer, A. G. Underwood. 



Deposits, . 


$245,21S 58 




Profits, 








5,894 35 




Public Funds, . 










$46,100 00 


Bank Stock, 










17,700 00 


Loans on Public Funds, 










8,550 00 


on Bank Stock, 










17,734 00 


on Real Estate, 










55,516 00 


on Personal Security, 








28,900 00 


to Counties, Cities and Towns, 




67,000 00 


Cash on hand, ...... 




9,612 93 










1251,112 93 


$251,112 93 



Number of Depositors, 1,403 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 18G7 — 1 per cent, per annum, . $5,125 40 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $8,000 00 

Average annual expenses, 920 00 



MILLBURY SAVINGS BANK— MILLBURY. 

[June 10.] 

Thomas J. Harrington, President. Treasurer, David Atwood. 



Deposits, .... 

Profits, .... 

Due Millbury National Bank, 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

to Counties, Cities and Towns, 
Expense Account, . 



$125,788 56 
8,832 81 
2,027 11 



$136,648 48 



$57,500 00 

17,500 00 

40,875 00 

20,000 00 

773 48 



$136,648 48 



Number of Depositors, 572 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1864 — 1 per cent, per annum, . $1,800 35 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $5,500 00 

Average annual expenses, 700 00 



1869.] 



PUBLIC DOCUMENT— No. 8. 



37 



NANTUCKET INSTITUTION FOR SAVINGS— NANTUCKET. 

[August 15.] 
George Cobb, President. Treasurer, Matthew Barney. 



Deposits, 


1355,254 64 




Profits, .... 






5,398 51 




Public Funds, .... 








$53,948 00 


Bank Stock, .... 








104,056 00 


Real Estate, .... 








8,575 00 


Loans on Public Funds, . 








8,040 00 


on Bank Stock, 








1,225 00 


on Real Estate, 








144,168 03 


on Personal Security, 








28,768 77 


to Banks, on interest, 








1,032 80 


Expense Account, . 








544 93 


Cash on hand, . 








10,294 62 








$360,653 15 


$360,653 15 



Number of Depositors, 1,266 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $17,800 00 

Average annual expenses, 1,250 00 



NATICK FIVE CENTS SAVINGS BANK— NATICK. 

[November 20.] 
John Kimball,, President. Treasurer, Nathaniel Clark. 



Deposits, 


$87,259 03 




Profits, 


1,812 17 




Public Funds, 




$7,500 00 


Bank Stock, 




518 75 


Loans on Real Estate, .... 




44,944 00 


on Personal Security, 




5,900 00 


to Counties, Cities and Towns, 




27,500 00 


Cash on hand, 




2,708 45 




$89,071 20 


$89,071 20 



Number of Depositors, 628 

Rate of ordinary dividends for the last year, 5 per cent. 

Extra dividends are made once in . Five years. 

Average annual expenses, $350 00 



38 



BANK COMMISSIONER'S REPORT. 



[Jan. 



NEW BEDFORD FIVE CENTS SAVINGS BANK— NEW BEDFORD. 

[August 27.] 
George Howlaxd, Jr., President. Treasurer, B. Ricketsost, Jr. 



Deposits, 


11,598,366 18 




Profits, .... 




62,281 81 




Interest, 




44,951 69 




Cash overdrawn, 




127 86 




Public Funds, 






$938,575 00 


Bank Stock, 






31,000 00 


Loans on Public Funds, . 






97,372 00 


on Bank Stock, 






4,000 00 


on Real Estate, 






329,596 84 


on Personal Security, 






276,643 71 


on Railroad Stock, . 






3,500 00 


to Counties, Cities and Towns, 




23,690 00 


Expense Account, 




1,349 99 






$1,705,727 54 


$1,705,727 54 



Number of Depositors, 2,648 

Rate of ordinary dividends for the last year, 6$ per cent. 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . ' . $10,000 00 

Average annual expenses, 4,500 00 



NEW BEDFORD INSTITUTION FOR SAVINGS— NEW BEDFORD. 

[August 26.] 
Thomas Mandell, President. Treasurer, William C. Coffiw. 



Deposits, 


$4,615,477 01 




Profits, 


• 


211,453 44 




Public Funds, . 


» ■ • • 




$2,687,725 00 


Bank Stock, 


• • • 




981,750 00 


Railroad Bonds, 


• • • 




37,050 00 


Real Estate, 


\ • • • 




5,553 00 


Loans on Public Funds, . 


• • • 




38,800 00 


on Bank Stock, 


• • • 




14,110 00 


on Real Estate, 


• • • 




34,900 00 


on Personal Security, 




661,771 93 


on Railroad Stock, .... 




12,750 00 


to Counties, Cities and Towns, 




156,026 50 


to Banks, on interest, 




84,790 19 


Expense Account, 




1,934 85 


Cash on hand, 




109,759 98 






$4,826,930 45 


$4,S26,930 45 



Number of Depositors, 12,347 

Hate of ordinary dividends for the last year, 7 per cent. 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $100,000 00 

Average annual expenses, 7,900 00 



1869.] 



PUBLIC DOCUMENT— No. 8. 



39 



NEYYBURYPORT FIVE CENTS SAYINGS BANK— NEWBURYPORT. 

[October 27.] 
David Wood, President. Treasurer, J. A. Maynard. 



Deposits, 


$421,044 88 




Profits, 


t • • • 


15,672 67 




Public Funds, . 


» • • • 




$131,830 00 


Bank Stock, 


• • • 




79,292 00 


Railroad Bonds, 


t • • • 




16,437 00 


Loans on Public Funds, 


i • • • 




18,600 00 


on Bank Stock, 


• • • • 




3,400 00 


on Real Estate, 


i • • • 




88,860 00 


on Personal Security, 




42,970 00 


to Counties, Cities and Towns, 




43,610 00 


to Banks, on interest, 




10,859 66 


Expense Account, . . . 




17 00 


Cash on hand, 




841 89 


• 




$436,717 55 


$436,717 55 



Number of Depositors, 2,887 

Rate of ordinary dividends for the last year, 6£ per cent. 

Largest amount invested in the stock of any one bank, . . . $8,425 00 

Average annual expenses, 1,300 00 



NORTHAMPTON INSTITUTION FOR SAYINGS— NORTHAMPTON. 

[June 17.] 
J. H. Butler, President. Treasurer, L. Maltby. 



Deposits, 


$825,538 00 




Profits, .... 






1,296 91 




Public Funds, . 








$338,000 00 


Bank Stock, .... 








33,900 00 


Loans on Public Funds, . 








30,471 20 


on Bank Stock, 








58,170 00 


on Real Estate, 








205,099 00 


on Personal Security, 








140,574 90 


to Counties, Cities and Towns, 




10,900 00 


Cash on hand, ...... 




9,719 81 








$826,834 91 


$826,834 91 



Number of Depositors, • . . 3,163 

Rate of ordinary dividends for the last 3 r ear, 6 per cent. 

Last dividend of reserved profits, in 1868 — 1{ per cent, per annum, . $16,944 74 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $4,000 00 

Average annual expenses, 2,800 00 



40 



BANK COMMISSIONER'S REPORT. 



fJan. 



NORTH ADAMS SAVINGS BANK— NORTH ADAMS. 

[July 9.] 
R. H. Wells, President. ' Treasure!', E. D. Whittaker. 



Deposits, 


$234,194 30 




Profits, 


i • • • 


11,855 99 




Public Funds, . 


» • • • 




$47,450 00 


Bank Stock, 


• • • 




9,900 00 


Loans on Public Funds, 


* m • • 




5,040 00 


on Bank Stock, 


• • • 




1,100 00 


on Real Estate, 


» a • • 




51,335 00 


on Personal Security, 




64,250 00 


to Counties, Cities and Towns, 




47,625 00 


to Banks, on interest, 




18,789 18 


Cash on hand, 




561 11 






$246,050 29 


$246,050 29 



Rate of ordinary dividends for the last year, 

Last dividend of reserved profits, in 1866 — 2 per cent, per annum, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



6 per cent. 

$3,168 01 
Five years. 

$5,500 00 
1,100 00 



NORTH BRIDGEWATER SAVINGS BANK— NORTH BRIDGEWATER. 

[September 4.] 
Henry W. Robinson, President. Treasurer, E. Soutiiworth, Jr. 



Deposits, ....... 


$191,468 12 




Profits, 


635 38 




Public Funds, 




$21,777 45 


Bank Stock, 




48,673 12 


Loans on Real Estate, .... 




64,811 60 


on Personal Security, 




47,989 47 


to Counties, Cities and Towns, 




2,000 00 


Cash on hand, 




6,851 86 




$192,103 50 


$192,103 50 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,107 
5 per cent. 

$11,300 00 
500 00 



1869.] 



PUBLIC DOCUMENT— No. 8. 



41 



NORTH BROOKFIELD SAVINGS BANK— NORTH BROOKFIELD. 

[July 28.] 
Charles Adams, Jr., President. Treasurer, Bonum Nye. 



Deposits, 


$97,318 08 




Profits, 


302 77 




Interest, 


5,007 64 




Public Funds, 




$65,900 00 


Bank Stock, 




1,400 00 


Loans on Real Estate, .... 




20,167 75 


on Personal Security, 




9,550 00 


to Counties, Cities and Towns, 




5,145 00 


Expense Account, .... 




270 81 


Cash on hand, .... 




794 93 




$103,228 49 


$103,228 49 



Number of Depositors, . 661 

Rate of ordinary dividends for the last year, . . . . . 5£ per cent. 

Last dividend of reserved profits, in 1865 — 1 per cent, per annum, . $824 81 

Extra dividends are made once in > Five years. 

Largest amount invested in the stock of any one bank, . . . $1,000 00 

Average annual expenses, 250 00 



NORTH EASTON SAVINGS BANK-NORTH EASTON. 

[August 21.] 
Frederick L. Ames, President. Treasurer, P. A. Gifford. 



Deposits, . . 

Profits, .... 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
Expense Account, 
Cash on hand, . 



$101,439 82 
1,728 15 



$103,157 97 



$62,695 00 

24,689 00 

8,630 00 

6,500 00 

50 00 

593 97 



$103,157 97 



Number of Depositors, 550 

Rate of ordinary dividends for the last year, 6 per cent. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $8,100 00 

Average annual expenses, 250 00 



42 



BANK COMMISSIONER'S REPORT. 



[Jan. 



PEOPLE'S SAVINGS BANK— WORCESTER. 

[June 10.] 
John C. Mason, President. Treasurer, C. M. Bent. 



Deposits, 


1972,529 11 




Interest, ..... 




15,262 97 




Suspense Account, . 




6,300 00 




Public Funds, .... 






$398,500 00 


Bank Stock, ..... 






90,000 00 


Real Estate, 






14,957 62 


Loans on Public Funds, . 






15,300 00 


on Bank Stock, 






8,150 00 


on Real Estate, 






343,460 00 


on Personal Security, 






70,800 00 


to Counties, Cities and Towns 






9,000 00 


to Banks, on interest, 






6,626 42 


Premium Account, .... 






26,925 72 


Expense Account and Taxes, . 






3,022 32 


Profit and Loss Account, . 






6,036 73 


Cash on hand, 






1,313 27 






$991,092 08 


$994,092 08 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



3,340 
6 per cent. 

$12,540 25 
2,950 00 



PLYMOUTH FIVE CENTS SAVINGS BANK— PLYMOUTH. 

[September 22.] 
Leander Lovell, President Treasurer, Daniel J. Bobbins. 



Deposits, ..... 

Profits, ..... 

Public Funds, 4W 

Bank Stock, .... 

Railroad Bonds, 

Real Estate, .... 

Loans on Public Funds, . 

on Bank Stock, 

on Real Estate, 

on Personal Security, 

on Railroad Stock, . 

to Counties, Cities and Towns 
Expense Account, 
Cash on hand, .... 



$184,865 41 
2,736 63 



$187,602 04 



$102,375 00 

13,000 00 

15,000 00 

2,600 00 

4,880 00 

119 00 

30,789 93 

3,407 00 

190 00 

11,000 00 

616 26 

3,624 85 



$187,602 04 



Number of Depositors, 

Bate of ordinary dividends for the last year, 

No extra dividends art; made. 

Largest amount invested in the stock of any one hank, 

Average annual expenses, 



1,867 

7 per cent. 

$2,000 00 
1,000 00 



1869.] 



PUBLIC DOCUMENT— No. 8. 



43 



PLYMOUTH SAVINGS BANK— PLYMOUTH. 

[September 22.] 
Nathaniel Russell, President. Treasurer, Allen Danforth. 



Deposits, 


$1,268,035 46 




Profits, 




► • 




57,440 98 




Suspense Account, . 




• 




28 97 




Public Funds, . 




i • 






$466,080 00 


Bank Stock, 




» • 






358,615 00 


Railroad Bonds, 




> • 






42,000 00 


Real Estate, 




• i 






8,489 90 


Loans on Public Funds, 


t • 






10,000 00 


on Bank Stock, 


► • 






3,000 00 


on Real Estate, 


► • ^ 






221,200 00 


on Personal Security, 






87,500 00 


on Railroad Stock, . 






6,640 00 


to Counties, Cities and Towns 






95,240 95 


to Banks, on interest, 






14,135 06 


Expense Account, .... 






385 78 


Cash on hand, . . . 






12,218 72 










$1,325,505 41 


$1,325,505 41 



Number of Depositors, 5,453 

Rate of ordinary dividends for the last year, 8 per cent. 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $22,500 00 

Average annual expenses, 3,800 00 



PROVIDENT INSTITUTION FOR SAVINGS— BOSTON. 

[March 23.] 
John Amory Lowell, President. Treasurer, Peter Wainwright. 



Deposits, ....... 


$9,132,988 32 


• 


Interest, .... 


i • • • 


66,941 48 




Suspense Account, . 


• • • 


5,266 49 




Public Funds, . 


• • • 




$1,138,125 09 


Bank Stock, 


> * • * 




1,093,200 00 


Railroad Bonds, 


• • • 




471,250 00 


Real Estate, 


• • • 




50,000 00 


Loans on Public Funds, . 


■ * • • 




199,000 00 


on Bank Stock, 


» • • a 




14,900 00 


on Real Estate, 


• • • 




1,714,600 00 


on Personal Security, 




2,714,000 00 


to Counties, Cities and Towns, 




1,646,900 00 


Profit and Loss Account, .... 




80,078 94 


Expense Account, 




8,01.2 84 


Cash on hand, ...... 




75,129 42 






$9,205,196 29 


$9,205,196 29 



Number of Depositors, 32,417 

Rate of ordinary dividends for the last year, 4 and 5 per cent. 

Last dividend of reserved profits, in 1867 — 4 per cent, per annum, . $1,112,382 07 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $188,100 00 

Average annual expenses, about 31,173 00 



44 



BANK COMMISSIONER'S REPORT. 



[Jan. 



PROVIDENT INSTITUTION FOR SAVINGS— SALISBURY. 

[November 18.] 
William C. Binney, President. Treasurer, Thomas J. Clark. 



Deposits, 


$717,579 76 




Profits, 


10,366 02 




Public Funds, ...... 




$275,000 00 


Bank Stock, 




113,025 00 


Real Estate, 




2,500 00 


Loans on Public Funds, .... 




1,500 00 


on Real Estate, .... 




92,900 00 


on Personal Security, 




83,650 00 


to Counties, Cities and Towns, 




151,000 00 


to Banks, on interest, 




7,500 00 


Expense Account, 




755 34 


Cash on hand, ...... 




115 44 




$727,945 78 


$727,945 78 



Number of Depositors, 3,041 

Rate of ordinary dividends for the last year, 6£ per cent. 

Last dividend of reserved profits, in 1865, $13,654 82 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $5,700 00 

Average annual expenses, 1,200 00 



QUINCY SAVINGS BANK— QUINCY. 

[September 15.] 
Daniel Baxter, President. Treasurer, Horace B. Spear. 



Deposits, ....... 


$440,101 41 




Profits, 


30,024 19 




Public Funds, ...... 




$177,000 00 


Bank Stock, ...... 




51,734 86 


Railroad Bonds, 




25,000 00 


Loans on Bank Stock, .... 




500 00 


on Real Estate, .... 




122,120 00 


on Personal Security, 




4,331 88 


to Counties, Cities and Towns, 




84,000 00 


Expense Account, 




406 8-4 


Cash on hand, ...... 




5,032 02 




$470,125 60 


$470,125 60 



Number of Depositors, 1,699 

Bate of ordinary dividends for the last year, y^° 5 per cent. 

Last dividend of reserved profits, in 1865-»ft.per cent, per annum, . $15,022 22 

Extra dividends ore made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $10,377 50 

Average annual expenses, 800 00 



1869.] 



PUBLIC DOCUMENT— No. 8. 



45 



RANDOLPH SAVINGS BANK-RANDOLPH. 

[September 4.] 
Atheiiton Wales, President. Treasurer, Seth Turner. 



Deposits, . 

Interest, . 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Loans on Public Funds, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns 

Expense Account, 

Cash on hand, .... 



$146,495 33 
8,341 27 



$154,836 60 



$80,000 00 

18,500 00 

21,000 00 

1,000 00 

16,750 00 

900 00 

13,500 00 

322 64 

2,863 96 



$154,836 60 



Number of Depositors, 793 l/ 

Rate of ordinary dividends for the last year, 6 percent^- — '< 

Last dividend of reserved profits, in 1866— 3^per cent, per aTrnurn^ \ $4,824 00 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $3,000 00 

Average annual expenses, 425 00 



%& 



ROCKPORT SAVINGS BANK— ROCKPORT. 

[October 30.] 

Henry Dennis, President. Treasurer, Newell Giles. 



Deposits, . 

Interest, . 

Dividend Account, 

Public Funds, . 

Bank Stock, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 

Cash on hand, . 



$108,912 30 

212 99 

2,718 63 



$111,843 92 



$19,000 00 
27,350 00 

1,040 00 
49,904 26 
12,224 60 

2,325 06 



$111,843 92 



Rate of ordinary dividends for the last year, .... 
Last dividend of reserved profits, in 1868 — 4 per cent, per annum, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 
Average annual expenses, 



6 per cent. 

$6,935 27 
Five years. 

$4,100 00 
550 00 



46 



BANK COMMISSIONER'S REPORT. 



[Jan. 



SALEM FIVE CENTS SAVINGS BANK— SALEM. 

[October 9.] 
Henry L. Williams, President. Treasurer, Charles H. Henderson. 



Deposits, ....... 


$580,678 87 




Interest, .... 


• • • • 


20,060 37 




Public Funds, . 


► • • • 




$265,797 72 


Bank Stock, 


i • . • • 




34,580 75 


Railroad Bonds, 


i • • * • 




9,600 00 


Loans on Public Funds, 


i • • ■ 




11,500 00 


on Real Estate, 


» • • • 




145,625 00 


on Personal Security, 




55,983 10 


to Counties, Cities and Towns, 




60,962 50 


to Banks, on interest, 




16,595 00 


Cash on hand, ...... 




95 17 






8600,739 24 


$600,739 24 



Number of Depositors, 3.000 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $9,105 50 

Average annual expenses, 2,800 00 



SALEM SAVINGS BANK— SALEM. 

[October 29.] 
Joseph S. Cabot, President. Treasurer, Charles E. Symonds. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 
on Railroad Stock, . 
to Counties, Cities and Towns 
to Banks, on interest, 

Cash on hand, .... 



$3,548,674 40 
27,675 86 



$3,576,350 26 



$1,710,400 00 

277,690 00 

25,000 00 

20,000 00 

448,820 00 

319,050 00 

8,000 00 

075,000 00 

78,408 07 

13,982 19 



$3,576,350 26 



Number of Depositors, 12,054 

Bate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1868—3 per cent, per annum, . $310,373 22 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $GO,000 00 

Average annual expenses, 0,000 00 



1869.] 



PUBLIC DOCUMENT— No. 8. 



47 



SCITUATE SAVINGS BANK— SCITUATE. 

[September 29.] 

Elijah Jenkins, President. Treasurer, C. W. Prouty. 



Deposits, 


$66,335 84 




Interest, ....... 


1,915 61 




Public Funds, 




$14,200 00 


Bank Stock, 




12.800 00 


Loans on Real Estate, .... 




30,675 00 


to Counties, Cities and Towns, 




8,870 00 


Expense Account, 




109 25 


Cash on band, 




1,597 20 




$68,251 45 


$68,251 45 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

Last dividend of reserved profits, in 1867 — 2 43-100 per ct. per annum, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



243 

6 per cent. 

$3,452 92 
Five years. 

$5,000 00 
160 00 



SEAMEN'S SAVINGS BANK-PROVINCETOWN. 

[August 12.] 
David Fairbanks, President. Treasurer, John Young, Jr. 



Deposits, 


$330,040 63 




Profits, 








2,272 71 




Interest, .... 








421 47 




Dividend Account, . 








5,389 74 




Public Funds, . 










$131,473 17 


Bank Stock, 




, 






30,398 05 


Loans on Public Funds, 










6,050 00 


on Bank Stock, 










4,000 00 


on Real Estate, 










21,933 00 


on Personal Security, 








111,971 25 


to Counties, Cities and Towns, 




21,775 00 


Cash on hand, 




10,524 08 










$338,124 55 


$338,124 55 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,219 
. 7 5-6 per cent. 

$8,000 00 
1,400 00 



48 



BANK COMMISSIONER'S REPORT. 



[Jan. 



SHELBURNE FALLS FIVE CENTS SAVINGS BANK-SHELBURNE FALLS. 

[June 18.] 
F. A. Ball, President. Treasurer, A. K. Hawks. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 
on Real Estate, 
on Personal Security, 

Cash on hand, . 



$310,878 71 
722 37 



$311,601 08 



$126,500 00 
15,400 00 
11,000 00 
92,933 50 
63,909 57 
1,858 01 



$311,601 08 



Number of Depositors, 1,800 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $9,700 00 

Average annual expenses, 1,100 00 



SOUTHBRIDGE SAVINGS BANK— SOUTHBRIDGE. 

[October 14.] 
Samuel Hartwell, President. Treasurer, S. M. Lane. 



Deposits, 


$415,000 03 




Interest, . 


i • • • 


5,488 39 




Public Funds, . 


• • • • 




$209,000 00 


Bank Stock, 


• • • 




23,000 00 


Loans on Public Funds, 


» • • • 




46,700 00 


on Bank Stock, 


• • • 




10,710 00 


on Real Estate, 


i • • • 




59,000 00 


on Personal Security, 




53,100 00 


to Counties, Cities and Towns, 




15,000 00 


to Banks, on interest, 




3,500 00 


Profit and Loss, 




174 51 


Expense Account, 




61 24 


Cash on hand, 




242 67 






$420,488 42 


$420,488 42 



Number of Depositors, 1,602 

Rate of ordinary dividends for the last year, 4 per cent. 

Last dividend of reserved profits, in 18G8— 4 per cent, per annum, . $42,411 40 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . §11,500 00 

Average annual expenses, 930 00 



1869.] 



PUBLIC DOCUMENT— No. 8. 



49 



SOUTH BOSTON SAVINGS BANK-BOSTON. 

[January 30.] 

Henry Souther, President. Treasurer, D. M. B. Thaxter. 



Deposits, . 
Profits, 
Interest, . 
Public Funds, . 
Loans on Real Estate, 
Expense Account, . 
Cash on hand, . 



$108,447 53 
2,708 02 
3,399 42 



$114,554 97 



$45,700 00 

60,302 00 

3,192 53 

5,360 44 



$114,554 97 



Number of Depositors, 1,207 

Bate of ordinary dividends for the last year, 5 per cent. 

Extra dividends are made once in Five j^ears. 

Average annual expenses, $800 00 



SOUTH SCITUATE SAVINGS BANK— SOUTH SCITUATE. 

[September 29.] 
Moses F. Rogers, President. Treasurer, Ebenezer T. Fogg. 



Deposits, 


$235,600 36 




Profits, 


9,524 86 




Public Funds, 




$13,850 00 


Bank Stock, 




41,300 00 


Loans on Real Estate, .... 




154,038 23 


on Personal Security, 




17,392 56 


to Counties, Cities and Towns, 




16,157 00 


Cash on hand, 




2,387 43 




$245,125 22 


$245,125 22 



Number of Depositors, 865 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1865 — 1£ per cent, per annum, . $5,279 69 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $4,500 00 

Average annual expenses, 600 00 



50 



BANK COMMISSIONER'S REPORT. 



[Jan. 



SOUTH WEYMOUTH SAVINGS BANK— SOUTH WEYMOUTH. 

[September 23.] 
Albert Tirrell, President. Treasurer, B. F. White. 



Deposits, 


$23,800 90 




Fronts, ....... 


347 96 




Bank Stock, 




$4,350 25 


Loans on Real Estate, .... 




17,510 00 


to Counties, Cities and Towns, 




1,000 00 


Expense Account, 




105 53 


Cash on hand, 




1,183 08 




$24,148 86 


$24,148 86 



Number of Depositors, 

Commenced business in 1868. 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 



125 

Three years. 

$3,270 00 



SPRINGFIELD FIVE CENTS SAVINGS BANK— SPRINGFIELD. 

[July 29.] 
James C. Pynchon, President. Treasurer, Daniel J. Marsh. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 

Cash on hand, . 



$636,030 99 
24,751 98 



$660,782 97 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



$200,000 00 

32,000 00 

3,500 00 

400 00 

398,555 00 

26,327 97 



,782 97 



3,704 
6£ per cent. 

$5,600 00 
1,800 00 



1869.] 



PUBLIC DOCUMENT— No. 8. 



51 



SPRINGFIELD INSTITUTION FOR SAVINGS— SPRINGFIELD. 

[July 31.] 
Josiah Hooker, President Treasurer, Henry S. Lee. 



Deposits, 


$2,587,298 98 




Profits, 


» • i 








29,081 93 




Public Funds, 


» • t 










$1,011,608 50 


Bank Stock, 


» • 










253,300 00 


Real Estate, 


• # 










99,094 08 


Loans on Public Funds, . 










90,050 00 


on Bank Stock, 










73,100 00 


on Real Estate, 










908,380 00 


on Personal Security, 








7,200 00 


to Counties, Cities and Towns, 




58,500 00 


Cash on hand, 




115,148 33 












$2,616,380 91 


$2,616,380 91 



Number of Depositors, 8,015 

Rate of ordinary dividends for the last year, 6£ per cent. 

Last dividend of reserved profits, in 1864 — £ of 1 per cent, per annum, $15,130 60 
Extra dividends are made when directed by the Trustees. 

Largest amount invested in the stock of any one bank, . . . $15. OW 00 

Average annual expenses, 5,000 00 



STONEHAM FIVE CENTS SAVINGS BANK— STONEHAM. 

[December 23.] 
Benjamin F. Richardson, President. Treasurer, Ira Gerrt. 



Deposits, 


$85,957 14 




Profits, 


3,934 79 




Public Funds, 




$31,450 00 


Loans on Real Estate, .... 




51,250 00 


on Personal Security, 




1,250 00 


to Counties, Cities and Towns, 




5,000 00 


Cash on hand, 




941 93 




$89,891 93 


$89,891 93 



Number of Depositors, 590 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1865—2 per cent, per annum, . $763 86 

Extra dividends are made once in ....... Five years. 

Average annual expenses, $200 00 



52 



BANK COMMISSIONER'S REPORT. 



[Jan. 



SUFFOLK SAVINGS BANK FOR SEAMEN AND OTHERS— BOSTON. 

[February 20.] 
Thomas Lamb, President. Treasurer, Chas. Henry Parker. 



Deposits, .... 


• • • 


$4,566,125 33 




Profits, .... 


• • • 


651,533 70 




Public Funds, . 


• • • 




$1,843,600 00 


Bank Stock, 


• • • 




393,525 00 


Railroad Bonds, 


• • • 




230,000 00 


Real Estate, 


• * • 




100,000 00 


Loans on Real Estate, 


• • ■ 




1,033,850 00 


on Personal Security, 


• • • 




1,246,000 00 


on Railroad Stock and Bonds, 




290,000 00 


Dividend Account, . 


• • • 




19,139 83 


Expense Account, . 


• • • 




7,326 27 


Cash on hand, . 


• • • 




54,217 93 




$5,217,659 03 


$5,217,659 03 



Number of Depositors, 14,028 

Rate of ordinary dividends for the last year, 4 per cent. 

Last dividend of reserved profits, in 1863 — 3 per cent, per annum, . $287,708 09 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $53,200 00 

Average annual expenses, 15,352 00 



UNION SAVINGS BANK— BOSTON. 

[February 12.] 

John C. Crowley, President. Treasurer, George F. Emery. 



Deposits, . 

Profits, 

Public Funds, . 

Loans on Real Estate, 

Expense Account, 

Cash on hand, . 



$859,352 42 
34,746 73 



$894,099 15 



$287,000 00 

553,927 12 

4,348 35 

48,823 68 



$891,099 15 



Number of Depositors, 3,448 

Rate of ordinary dividends for the last year, 6 per cent. 

Extra dividends are made once in Five years. 

Average annual expenses, $4,500 00 



1869.] 



PUBLIC DOCUMENT— No. 8. 



53 



WALTHAM SAVINGS BANK— WALTHAM. 

[December 21.] 

Horatio Moore, President. Treasurer, John S. Williams. 



Deposits, 


$484,577 92 




Profits, ..... 




2,269 56 




Interest, ..... 




821 27 




Public Funds, .... 






$70,000 00 


Bank Stock, .... 






21,185 00 


Loans on Real Estate, 






321,733 00 


on Personal Security, 






36,400 00 


to Counties, Cities and Towns, 




25,000 00 


Cash on hand, ...... 




13,350 75 






$487,668 75 


$487,668 75 



Number of Depositors, 1,941 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $5,000 00 

Average annual expenses, 1,000 00 



WARE SAVINGS BANK— WARE. 
[July 28;] 



William Hyde, President. 



Treasurer, Otis Lane. 



Deposits, 


$787,657 13 




Profits, 


12,438 19 




Interest, 


17,613 94 




Public Funds, 




$361,000 00 


Bank Stock, 




140,000 00 


Loans on Public Funds, .... 




15,886 00 


on Bank Stock, .... 




5,950 00 


on Real Estate, .... 




153,575 00 


on Personal Security, 




65,350 25 


to Counties, Cities and Towns, 




44,800 00 


Expense Account, 




48 67 


Cash on hand, 




31,099 34 




$817,709 26 


$817,709 26 



Number of Depositors, 2,640 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 

Last dividend of reserved profits, in 1865 — 1 3-5 per cent, per annum, . $17,655 52 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $25,000 00 

Average annual expenses, 2,500 00 



54 



BANK COMMISSIONER'S REPORT. 



[Jan. 



WAREHAM SAVINGS BANK— WAREHAM. 

[August 18.] 

J. B. Tobey, President. Treasurer, T. R. Miles. 



Deposits, .... 


• • • 


$286,616 04 




Profits, .... 


• • • 


13,123 73 




Public Funds, . 


• • • 




$52,200 00 


Bank Stock, 


• • • 




132,332 08 


Railroad Bonds, 


• • • 




9,750 00 


Loans on Bank Stock, 


• • • 




9,G00 00 


on Real Estate, 


• • • 




3,950 00 


on Personal Security, 


• • • 




66,690 53 


on Railroad Stock, . 


• • • 




10,000 00 


to Counties, Cities an< 


1 Towns, 




5,500 00 


Expense Account, 


• • • 




1,415 97 


Cash on hand, . 


• • • 




8,301 19 




$299,739 71 


$299,739 77 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,066 
7 per cent. 

$20,447 00 
682 00 



WARREN FIVE CENTS SAVINGS BANK— PEABODY. 

[October 16.] 
George Osborne, President. Treasurer, Francis Baker. 



Deposits, .... 


• • • 


$340,805 98 




Interest, .... 


• • • 


21,747 27 




Public Funds, . 


• • • 




$176,706 25 


Rank Stock, 


* • • 




60,481 00 


Loans on Real Estate, 


• • • 




65,900 00 


on Personal Security, 


• • • 




10,300 00 


to Counties, Cities and Towns, 




39,750 00 


to Banks, on interest, 


• • • 




4,000 00 


Cash on hand, . 


• • • 




5,413 00 




$362,553 25 


$362,553 25 



Number of Depositors, 1,722 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved proftts, in 1864— 1£ per cent, per annum, . $8,201 95 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $11,000 00 

Average annual expenses, 600 00 



1869.] 



PUBLIC DOCUMENT— No. 8. 



55 



WARREN INSTITUTION FOR SAVINGS— CHARLESTOWN. 

[September 25.] 
James Adams, President. Treasurer, George F. Tufts. 



Deposits, ....... 


$1,972,129 82 




Profit and Loss, 


• • • 


8,556 43 




Interest, .... 


• • • 


67,299 57 




Rents, .... 


i • • • 


1,315 99 




Public Funds, . 


• • • 




$577,000 00 


Bank Stock, 


i • • • 




72,200 00 


Real Estate, 


i • • • 




50,000 00 


Loans on Real Estate, 


■ • • • 




1,003,219 00 


on Personal Security, 




40,900 00 


to Counties, Cities and Towns, 




240,255 00 


Interest Accrued, ..... 




24,907 41 


Expense Account, 




2,979 62 


Cash on hand, 




37,840 78 






$2,049,301 81 


$2,049,301 81 



Number of Depositors, 6,558 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1868 — 2£ per cent, per annum, . $88,098 17 
No extra dividends will be made. 

Largest amount invested in the stock of any one bank, . . . $19,000 00 

Average annual expenses, 6,298 00 



WEBSTER FIVE CENTS SAVINGS BANK— WEBSTER. 

[October 14.] 
H. H. Stevens, President. Treasurer, Edwin May. 



Deposits, 


$11,496 12 




Loans on Public Funds, .... 




$800 00 


on Real Estate, .... 




400 00 


on Personal Security, 




1,300 00 


to Counties, Cities and Towns, 




8,000 00 


Expense Account, 




66 15 


Cash on hand, ...... 




929 97 




$11,496 12 


$11,496 12 



Number of Depositors, . 
Commenced business August 10, 1868. 
No extra dividends are made. 



210 



56 



BANK COMMISSIONER'S REPORT. 



[Jan. 



WELLFLEET SAVINGS BANK— WELLFLEET. 

[August 13.] 
Richard R. Freeman, President. Treasurer, Simeon Atwood. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 

Cash on hand, 



$73,085 62 
850 36 



$73,935 98 



$20,615 43 

28,617 67 

3,025 00 

11,625 83 

9,400 00 

652 05 



$73,935 98 



Number of Depositors, 409 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $5,230 50 

Average annual expenses, 325 00 



WEST BOSTON SAVINGS BANK— BOSTON. 

[February 25.] 

Franklin Haven, President. Treasurer, James H. Wilder. 



Deposits, ....... 


$154,958 82 




Profits, 






2,055 01 




Bank Stock, .... 








$4,382 25 


Railroad Bonds, 








10,000 00 


Loans on Public Funds, 








21,300 00 


on Real Estate, 








93,000 00 


on Personal Security, 








2,000 00 


to Banks, on interest, 








22,500 35 


Expense Account, 








3,033 32 


Cash on hand, .... 




797 91 








$157,013 83 


$157,013 83 



Number of Depositors, . 
Commenced business June 15, 1867. 
Average annual expenses, about 



1,012 
$2,200 00 



1869.] 



PUBLIC DOCUMENT— No. 8. 



57 



WESTFIELD SAVINGS BANK— WESTFIELD. 

[July 10.] 
Charles A. Jessup, President. Treasurer, V. W. Crowson. 



Deposits, 


$252,337 39 




Profits, .... 








17,192 83 




Suspense Account, . 








115 00 




Public Funds, . 










.$125,300 00 


Bank Stock, . ... 










9,000 00 


Loans on Public Funds, . 










18,050 00 


on Bank Stock, 










4,000 00 


on Real Estate, 










48,650 00 


on Personal Security, 








33,000 00 


to Counties, Cities and Towns, 




11,000 00 


Cash on hand, 




20,645 22 










$269,645 22 


$269,645 22 



Number of Depositors, 1,214 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1868 — 3 per cent, per annum, . $14,695 11 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $5,800 00 

Average annual expenses, 568 00 



WEYMOUTH AND BRAINTREE INSTITUTION FOR SAVINGS— WEYMOUTH. 

[September 18.] 
John W. Loud, President. Treasurer, Amos S. White. 



Deposits, 


$404,778 02 




Profits, .... 


i • • • 


24,453 78 




Public Funds, . 


• • • 




$130,700 00 


Bank Stock, 


» • • • 




52,000 00 


Railroad Bonds, 


» • • • 




10,000 00 


Loans on Bank Stock, 


► • • • 




1,450 00 


on Real Estate, 


»,■••• 




191,429 00 


on Personal Security, 




31,174 00 


to Counties, Cities and Towns, 




5,000 00 


Expense Account, 




20 00 


Cash on hand, 




7,458 80 






$429,231 80 


$429,231 80 



Number of Depositors, 1,839 

Rate of ordinary dividends for the last year, 5£ per cent. 

Last dividend of reserved profits, in 1864—1 per cent, per annum, . $7,754 60 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $3,000 00 

Average annual expenses, 900 00 



8 



58 



BANK COMMISSIONER'S REPORT. 



[Jan. 



WINCHENDON SAVINGS BANK— WINCHENDON. 

[May 6.] 
E. Murdoch:, Jr., President. Treasurer, C. L. Beals. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Loans on Real Estate, 

on Personal Security, 
Cash on hand, . 



$163,534 33 
4,430 77 



7,965 10 



$74,500 00 
20,000 00 
1,924 90 
21,180 93 
28,175 00 
22,184 27 



$167,965 10 



Rate of ordinary dividends for the last year, .... 

Last dividend of reserved profits, in 1864 — If per cent, per annum, 
Extra dividends are made once in ...... 

Largest amount invested in the stock of any one bank, 
Average annual expenses, 



5 per cent. 

$2,779 28 
Five years. 

$9,000 00 
250 00 



WOBURN FIVE CENTS SAVINGS BANK— WOBURN. 

[December 24.] 
Stephen Dow, President. Treasurer, James N. Dow. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 

Cash on hand, . 



$118,350 79 
6,362 63 



$124,713 42 



$63,000 00 

12,491 00 

2,500 00 

600 00 

19,100 00 

24,500 00 

2,522 42 



$124,713 42 



Number of Depositors, 1,318 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1866—2 per cent, per annum, . $4,042 97 

Extra dividends are made once in Three j*ears. 

Largest amount invested in the stock of any one bank, . . . $4,070 00 

Average annual expenses, 581 84 



1869.] 



PUBLIC DOCUMENT— No. 8. 



59 



"WORCESTER COUNTY INSTITUTION FOR SAVINGS— WORCESTER. 

[May 19.] 
Stephen Salisbury, President. Treasurer, C. A. Hamilton. 



Deposits, ....... 


$3,366,789 06 




Profits, ....... 


105,796 39 




Profit and Loss Account, .... 


7,277 33 




Suspense Account, ..... 


2,937 17 




Pentennial Dividend, .... 


293,021 11 




Public Funds, 




$999,800 00 


Bank Stock, ...... 




612,500 00 


Loans on Public Funds, . . . . . 




54,405 00 


on Bank Stock, .... 




15,045 00 


on Real Estate, .... 




1,455,593 18 


on Personal Security, 




163,701 00 


to Counties, Cities and Towns, 




426,900 00 


to Banks, on interest, 




36,245 18 


Expense Account, ..... 




2,827 17 


Cash on hand, . . . . 




8,804: 53 




$3,775,321 06 


$3,775,821 06 



Number of Depositors, ....... 

Rate of ordinary dividends for the last year, 

Last dividend of reserved profits, in 1863. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



13,581 
5 per cent. 

$63,600 00 
9,000 00 



WORCESTER FIVE CENTS SAVINGS BANK— WORCESTER. 

LJuly 2.] 
Charles L. Putnam, President. Treasurer, Clarendon Harris. 



Deposits, 


$411,022 35 




Interest, . 


• • • ■ 


52,799 62 




Public Funds, . 


1 9 * ■ * 




$122,000 00 


Bank Stock, 


* • • • 




72,800 00 


Loans on Public Funds, , 


• • • 




6,800 00 


on Bank Stock, 


I • ' • ■ 




10,000 00 


on Real Estate, 


1 • • • 




79,075 00 


on Personal Security, . . 




3,000 00 


to Counties, Cities and Towns, 




116,500 00 


Dividend Account, 




37,961 30 


Expense Account and Taxes, . 




3,014 95 


Cash on hand, 




12,670 72 






$463,821 97 


$463,821 97 



Number of Depositors, 3,601 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1867— 3| per cent, per annum for hvo years. 

Extra dividends are usually made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $8,000 00 

Average annual expenses, 1,200 00 



60 



BANK COMMISSIONER'S REPORT. 



[Jan. 



WORCESTER MECHANICS' SAVINGS BANK-WORCESTER. 
Harrison Bliss, President. Treasurer, Henry Woodward. 



Number of Depositors 

Rate of ordinary dividends for the last year, 

Last dividend of reserved profits, in 18G7 — 4-5 of 1 per ct. per annum, 

No extra dividends are to be made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



Deposits, .... 


• • • 


•$1,317,823 96 




Profits, .... 


• • • 


30,836 18 




Public Funds, . 


• • • 




$356,200 00 


Bank Stock, 


• • • 




122,300 00 


Loans on Public Funds, . 


• • • 




19,975 00 


on Bank Stock, 


• • • 




8,093 60 


on Real Estate, 


• • • 




682,616 50 


on Personal Security, 


• • • 




113,243 09 


on Railroad Stock, . 


• • • 




10,000 00 


to Counties, Cities and Towns, 




17,700 00 


Expense Account, 


• • • 




1,779 83 


Cash on hand, . 


• • • 




16,752 12 




$1,318,660 14 


$1,348,660 14 



4,275 
6 per cent. 
$24,238 02 

$28,700 00 
4,000 00 



WORCESTER NORTH SAVINGS INSTITUTION— FITCHBURG. 

[November 13.] 
Moses Wood, President. Treasurer, Henry A. Willis. 



Deposits, .... 

Profits, .... 

Public Funds, . 

Loans on Public Funds, . 
on Bank Stock, 
on Real Estate, 
on Personal Security, 

Expense Account, 

Cash on hand, . 



$49,521 31 
333 60 



$49,854 91 



$5,456 25 

2,400 00 

1,000 00 

21,182 39 

12,550 00 

132 65 

7,133 62 



$49,854 91 



Number of Depositors, . 
Commenced business in July, 18G8. 



200 



1869.] 



PUBLIC DOCUMENT— No. 8. 



61 



THE PAWNERS' BANK. 

The following statement has been received by the Commis- 
sioner of Savings Banks, in accordance with the Act establishing 
the Pawners' Bank. 

i 

STATE OF THE PAWNERS' BANK, 

On the fourth Saturday of October, 1868, at 7 o'clock, JP. M. 



DUE EROM THE BANK. 

Capital stock called in, 

Unclaimed dividends, 

Reserve account, 

Net profits, (estimated,) 

Notes payable, . 

Estimated expenses due, but not paid, 

Total amount due from the bank, 



. $113,500 00 


783 


50 


439 


31 


1,770 


23 


24,856 


50 


446 


28 


. $141,795 82 



RE SOURCES OE THE BANK. 

Amount of outstanding loans on pledge of goods and 

chattels, $111,865 95 

Interest accrued on loans and not paid in, (estimated,) 11,270 84 

Amount of deposits, 3,018 09 

1,523 50 

10,117 44 

4,000 00 



Amount of money on hand, in the bank, . 
United States treasury bonds, .... 
Vault, safes, furniture, fixtures, &c, . 

Total amount of the resources of the bank, 



$141,795 82 



E. B. Foster, Cashier. 



The foregoing statement was verified by the oath of the 
cashier, and by the certificate, also under oath, of Joseph S. 
Ropes, John Bigelow, Samuel Johnson, Jr., John Kurtz, and 
John J. May, a majority of the directors of the bank. 



62 



BANK COMMISSIONER'S REPORT. 



[Jan. 



Statistics connected with the Bank. 

Whole number of loans, 
Number of loans in 1860, . 

in 1861, . 
in 1862, . 
in 1863, . 
in 1864, . 
in 1865, . 
in 1866, . 
in 1867, . 
Total amount of loans to date, 

paid in on loans for the same time, 
Amount of interest earned on loans, since last report 

on loans paid since last report, 
Interest earned on loans but not paid in, . 
Dividends declared for 1868, .... 
Estimated number of articles loaned on, . 

64 out of every 100 of the loans made are $10 and under. 
50 out of every 100 of the loans the interest is less than 21 cents. 
36 out of every 100 of the loans the interest is less than 11 cents. 
18 out of every 100 of the loans the interest is less than 6 cents. 
4 out of every 100 of the loans the interest is only 1 cent. 
Average length of credit actually taken by the pledgers is three 
months and twenty-five days. 

Six months' credit is usually given, and loans can be renewed 
on payment of the interest due. 

Goods outside of the vault and safes are insured. 
Average amount of interest received on each loan is two dollars 
and six cents. 

Average amount loaned to each person, $32.90. 
Loans made on pledge of goods and chattels only. 
No loans considered doubtful. 
No bills issued by the bank. 
No deposit accounts. 



68,901 

5,228 

7,598 

6,563 

6,224 

6,813 

9,921 

9,665 

9,553 

817,012 60 

1,705,146 65 

19,912 76 

19,093 02 

11,270 84 

8 per cent. 

1,035,435 



1869.] 



PUBLIC DOCUMENT— No. 8. 



63 



PUBLIC STOCKS 

Deposited with the Auditor of the Commonwealth by State JBanks 
organized under general laws, as security for their circulating 
notes. 

On the 31st day of December, 1868, the accounts and secu- 
rities held were as follows : — 

Bank of the Metropolis. (Charter surrendered.) 

United States Bonds, $2,000 00 

Circulation, 1,958 00 

Safety Fund Bank. 

Town of Natick Bonds, . . . . . . $15,000 00 

Circulation, 3,714 00 

Harvard Bank. 

Massachusetts Bonds, $10,000 00 

Circulation, 985 00 



SAVINGS INSTITUTIONS. 



9 



The Commissioner of Savings Banks has also the honor to 
submit the following Abstract of the Annual Returns of Savings 
Institutions in the Commonwealth, exhibiting their condition 
on Saturday, the thirty-first day of October, 1868, in answer to 
the requisition of His Excellency the Governor. 



ABSTRACT 



OF THE 



ANNUAL RETURNS 



OF THE 



SAVINGS INSTITUTIONS 



18 6 8. 



68 



BANK COMMISSIONER'S REPORT. 



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1869.] 



PUBLIC DOCUMENT— No. 8. 



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1869.] 



PUBLIC DOCUMENT— No. 8. 



91 























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1869.] 



PUBLIC DOCUMENT— No. 8. 



93 





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94 



BANK COMMISSIONER'S REPORT. 



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xi 


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s 


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1869.] 



PUBLIC DOCUMENT— No. 8. 



99 





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1869.] 



PUBLIC DOCUMENT— No. 8. 



101 





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PUBLIC DOCUMENT— No. 8. 



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116 



BANK COMMISSIONER'S REPORT. 



[Jan. 



AGGREGATES. 



1868. 1867. 

One hundred and One hundred and 
fifteen Savings Banks, eight Savings Banks. 



Number of Depositors, 

Amount of Deposits, 

Number of Deposits during the last year, 

Amount of the same, 

Number of Deposits during the last year of 

and exceeding $300 at one time, . 
Amount of the same, 
Number of withdrawals during the last year 
Amount of the same, 
Number of accounts opened during the last 

V"<*r« •••••• 

Number of accounts closed during the last 

Amount of surplus on hand, 

Public Funds, 

Loans on public funds, 

Bank Stock, ..... 

Loans on bank stock, 

Deposits in banks, bearing interest, . 

Railroad Bonds, .... 

Loans on railroad stock, . 

Invested in real estate, 

Loans on mortgage of real estate, 

Loans to counties and towns, . 

Loans on personal security, 

Cash on hand, ..... 

Average rate of ordinary Dividends for the 

last year, 

Aggregate amount of ordinary Dividends 

for the last year, .... 
Annual Expenses of the institution, . 



383,094 
$94,838,336 54 

386,630 
$31,177,902 11 

23,007 
$12,431,020 63 

209,712 
$20,976,792 83 

88,558 

53,770 
$2,570,023 80 
31,987,621 19* 

1,397,650 98 

11,175,269 77 

613,413 92 

1,233,211 21 

1,183,041 90 

368,880 00 

632,763 68 

29,998,867 65 

6,289,414 10 

11,497,726 68 

1,235,820 74 

5| per cent. 

$4,481,264 48f 
297,527 60 



348,593 
,431,583 71 
346,043 
$26,755,132 29 

19,674 
$9,357,093 55 
173,954 
$17,496,416 64 

81,102 

46,084 

$3,172,877 01 

29,960,219 47 

1,218,935 67 

10,921,364 62 

441,498 49 

1,524,328 09 

733,152 75 

278,940 00 

576,463 79 

21,259,349 10 

6,577,803 84 

9,636,996 90 

1,141,298 90 

°\W P er cent - 

$3,514,715 17J 
254,226 79 



• $25,488,011. 63 of the investments classed as " Public Funds," is in bonds of the United 
State*. 

t Calculated on the returns of 108 Banks— the East Abington, Gardner, Hyannis, Lawrence, 
South Weymouth, Webster and Worcester North had not paid dividends at the time their returns 
were made. 

X Calculated on the returns of 102 Banks— the Woburn, Wellfleet and Sandwich giring the rate, 
but not the amount of their dividends. The Athol, Ilopkinton and West Boston had not paid 
diTidenda at the time their returns were made. 



1869.] PUBLIC DOCUMENT— No. 8. 117 

The foregoing returns of the one hundred and fifteen savings 
banks in this State, covered by the year ending on the 31st of 
October last, show the deposits at that date to have reached the 
sum of $94,838,336.54, which, with the surplus earnings then 
on hand, amounting to $2,570,023.80, indicate a liability of 
$97,408,360.34. 

The increase in deposits for the same period was $14,406,- 
752.83, or nearly eighteen per cent., and the increase in the 
number of depositors about ten per cent., the average of each 
deposit account at the close of the year being $247.55. 

The amount of ordinary interest declared during the year 
was $4,481,264.48, in addition to which nearly one million dol- 
lars of surplus was divided. 

The active demand for capital has enabled the savings banks 
to dispose of their funds without difficulty in approved loans, 
authorized by law, usually at seven per cent. 

The loans upon real estate were much in excess of any pre- 
vious year, amounting to $8,739,518.55 ; an investment of equal 
advantage to the industry of the State and to the banks. 

Generally the institutions appear to receive increasing atten- 
tion from^those who are especially charged with the supervision 
of their affairs, and this will result in decided benefit, fully 
demanded byfthe growing importance of the trust. The large 
sum now held belongs substantially to our industrial popula- 
tion, and affords gratifying evidence of their thrift and pros- 
perity, and it is of essential importance to all classes that the 
perfect confidence now placed in the savings banks be fully 
sustained, by watchfulness and great prudence in the manage- 
ment of their affairs. 

The tax upon savings banks has yielded to the State the past 
year $570,065.86, at the rate of one-half per cent, for the first 
half, and three-fourths per cent, for the last half of the year. 
It may reasonably be anticipated that the tax as now established 
will yield for the next year over seven hundred thousand dol- 
lars. This rate of taxation, with such taxes as are paid to the 
general government and the necessary expenses of the banks, 
seems to be as high as can be paid by a majority of them with- 
out endangering their future success. 

F. M. STONE. 

December 31, 1868. 



118 



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PUBLIC DOCUMENT— No. 8. 



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INDEX 







TO THE 


ANNUAL RETURNS. 










[Locations.] 

• 


Page. 
Abington, 108 


Page. 
Lowell, . 


Adams, 










. 100 


Lynn, 








— , „ 
76 


Amherst, . 










94 


Maiden, 








84 


Andover, . 










72 


Marlborough, . 








84 


Arlington, . 










78 


Milford, . 








90 


Athol, 










88 


Millbury, . 








90 


Attleborough, 










. 104 


Nantucket, 








114 


Barnstable, 










. 112 


Natick, 








86 


Beverly, 










72 


New Bedford, . 








. 106 


Boston, 










. 68-72 


Newburyport, . 








76 


Brighton, . 










80 


Newton, . 








86 


Cambridge, 










80 


1 * 
Northampton, . 








94 


Canton, 










. 100 


North Bridge water, 








. 110 


Charlestown, 










. 80,82 


North Brookfield, 








90 


Chelsea, . 










72 


Peabody, . 








76 


Chicopee, . 










96 


Pittsfield, . 








. 100 


Clinton, 










88 


Plymouth, . 








. 110 


Cohasset, . 










. 100 


Provincetown, . 








114 


Concord, . 










82 


Quincy, 








102 


Uanvers, . 










74 


Randolph, . 








102 


Dedham, . 










102 


Rockport, . 








78 


Dorchester, 










102 


Salem, 








78 


East Abington, . 




- 






108 


Salisbury, . 








78 


Easton, 










108 


Sandwich, . 








114 


Fairhaven, 










104 


Scituate, . 








110 


Fall River, 








1( 


)4, 106 


Shelburne, 








08 


Fitchburg, . 










88 


Southbridge, 








92 


Foxborough, 










102 


South Weymouth, 








104 


Framingham, . 










82 


South Scituate, . 








110 


Gardner, . 










88 


Springfield, 








96,98 


Gloucester, 










74 


Stoneham, . 








86 


Greenfield, 










98 


Taunton, . 








108 


Haverhill, . 










74 


Waltham, . 








86 


Harwich, . 










112 


Ware, 








96 


Ilingham, . 










108 


Wareham, . 








112 


Holyoke, . 










96 


Webster, . 








!M 


Ilopkinton, 










82 


Wellfleet, . 








114 


Byannis, . 










112 


tfield,. 








98 


Lancaster, . 










!)() 


Weymouth, 








104 


Lawrencf, . 










74 


WinchendoD, 








92 


Lee, . 










100 


Woburn, 








86 


Leominster, 










90 | 


Worcester, 








02, 94 



PUBLIC DOCUMENT. 



.No. 8. 



ANNUAL REPORT 



OF THE 



COMMISSIONER OF SAVINGS BANKS, 



INCLUDING THE 



ABSTKACTS OF RETURNS 



FROM THE 



SAVINGS INSTITUTIONS IN MASSACHUSETTS. 



»• 

* • 

• • • 



* • 



_• ••• 

• « • 

• • • 



2-8 6- 9-: 



•• • 

> • • 

• • • • 

• • • 



. * • 






•- •. • * • 












• • • 



BOSTON: 

WRIGHT & POTTER, STATE PRINTERS, 

79 Milk Street (corner op Federal). 

1 870. 







- 






ANNUAL REPORT 



OF THE 



COMMISSIONER OF SAVINGS BANKS. 



To Hon. Oliver Warner, Secretary of the Commonwealth. 

The Commissioner of Savings Banks has the honor to sub- 
mit herewith his Fourth Annual Report. 

The present number of savings banks is one hundred and 
thirty-one, sixteen of which commenced business this year 
under acts of incorporation obtained at the last session of the 
legislature, namely : — 



Barre Savings Bank, 
Georgetown Savings Bank, 
Groveland Savings Bank, . 
Grafton Savings Bank, 
Greenfield Savings Bank, . 
Great Barrington Savings Bank 
Hudson Savings Bank, 
Leicester Savings Bank, . 
Medford Savings Bank, 
Northampton Savings Bank, 
Reading Savings Bank, 
South Adams Savings Bank, 
Taunton Savings Bank, 
Union Savings Bank, 
Wakefield Savings Bank, . 
Westborough Savings Bank, 



Barre. 

Georgetown. 

Groveland. 

Grafton. 

Greenfield. 

Great Barrington. 

Hudson. 

Leicester. 

Medford. 

Northampton. 

Reading. 

South Adams. 

Taunton. 

Fall River. 

Wakefield. 

Westborough. 



Excepting a few of the new banks which have been in opera- 
tion for a short time only, all have been examined, and their 
condition and date of examination appear in the following 
Abstract. 



BANK COMMISSIONER'S REPORT. 



[Jan. 



ABINGTON SAVINGS BANK— ABINGTON. 
[September 10.] 



Jenkins Lane, President. 



Treasurer, J. H. Fabrar. 



Deposits, .... 


• • • 


$466,602 90 




Profits, .... 




• • • 


12,636 54 




Public Funds, . 




• • • 




* $143,850 00 


Bank Stock, 




• • • 




31,200 00 


Railroad Bonds, 




• • • 




18,843 33 


Loans on Public Funds, 




• • • 




23,357 50 


on Bank Stock, 




• • • 




2,782 64 


on Real Estate, 




• • • 




186,494 12 


on Personal Security, 


• • • 




29,463 00 


to Counties, Cities and Towns, 




39,506 96 


Expense Account, 


• • • 




50 00 


Cash on hand, . 


• • • 




3,691 89 






$479,239 44 


$479,239 44 



Number of Depositors, 1,867 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in July, 1868. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $7,100 00 

Average annual expenses, 1,100 00 



Charles Adams, President. 



AMHERST SAVINGS BANK— AMHERST. 

[June 1.] 

Treasurer, Samuel C. Carter. 



Deposits, ....... 


$85,793 72 




Interest, ....... 


814 42 




Public Funds, 




$8,100 00 


Bank Stock, 




300 00 


Railroad Bonds, 




1,000 00 


Loans on Public Funds, .... 




7,259 47 


on Real Estate, .... 




40,125 00 


on Personal Security, 




16,800 00 


to Counties, Cities and Towns, 




9,500 00 


Expense Account, ..... 




444 28 


Cash on hand, ...... 




3,079 19 




$86,608 14 


$86,608 14 



Number of Depositors, 800 

Rate of ordinary dividends for the last year, 6 per cent. 

Extra dividends are made once in Five year 

Largest amount invested in the stock of any one bank, . . . $300 00 

Average annual expenses, 175 00 









1870.] 



PUBLIC DOCUMENT— No. 8. 



ANDOVER SAVINGS BANK- AND OVER, 
[November 4.] 



Nathaniel Swift, President. 



Treasurer, John Flint. 



Deposits, 


$620,349 75 




Profits, 




23,375 93 




Public Funds, 






$295,000 00 


Bank Stock, 






97,000 00 


Loans on Public Funds, . 






8,060 00 


on Real Estate, 






129,825 00 


on Personal Security, 






35,322 00 


to Counties, Cities and Towns 






77,000 00 


to Banks, on interest, 






128 27 


Cash on hand, 






1,390 41 






$643,725 68 


$643,725 68 



Number of Depositors, 2,086 

Rate of ordinary dividends for the last year, 7 per cent. 

Last dividend of reserved profits, in December, 1865. 

Largest amount invested in the stock of any one bank, . . . $30,000 00 

Average annual expenses, 1,200 00 



ARLINGTON FIVE CENTS SAVINGS BANK— ARLINGTON. 

[July 3.] 
Samuel Butterfield, President. Treasurer, William Proctor. 



Deposits, . 


$203,799 17 




Profits, 




16,779 34 




Public Funds, 






$50,000 00 


Loans on Real Estate, 






162,980 00 


on Personal Security, 






1,650 00 


to Counties, Cities and Towns 






1,000 00 


Expense Account, .... 






906 03 


Cash on hand, 






4,042 48 




■ 


$220,578 51 


$220,578 51 



Number of Depositors, 1,111 

Rate of ordinary dividends for the year, 5 per cent. 

Last dividend of reserved profits, in October, 1865. 

Extra dividends are made once in Five years. 

Average annual expenses, $500 00 









6 



BANK COMMISSIONER'S REPORT. 



[Jan. 



Charles C. Bassett, President 



ATHOL SAVINGS BANK— ATHOL. 

[June 1.] 

Treasurer, A. Harding, Jr. 



Deposits, .... 


• • • 


$162,259 78 




Interest, .... 


• • • 


2,124 10 




Public Funds, . 


• • • 




$10,000 00 


Loans on Public Funds, . 


• • • 




13,600 00 


on Bank Stock, 


• • • 




6,500 00 


on Real Estate, 


• • • 




50,615 00 


on Personal Security, 


• • • 




40,118 00 


on Railroad Stock, . 


• • • 




15,000 00 


to Counties, Cities and Towns, 




22,500 00 


Expense Account, 


• • • 




988 56 


Cash on hand, . 


• • • 




5,062 32 




$164,383 88 


$164,383 88 



Number of Depositors, 964 

Rate of ordinary dividends for the last year, 5 per cent. 

Extra dividends are made once in Three years. 

Average annual expenses, $600 00 



ATTLEBOROUGH SAVINGS BANK— ATTLEBOROUGH. 

[September 2.] 
p\ Bates, President. Treasurer, H. M. Daggett. 



Deposits, 


$63,407 12 




Interest, ....... 


1,900 66 




Public Funds, ...... 




$9,800 00 


Bank Stock, 




2,290 50 


Loans on Bank Stock, .... 




3,200 00 


on Real Estate, .... 




7,300 00 


on Personal Security, 




17,421 00 


to Counties, Cities and Towns, 




23,800 00 


Premium Account, ..... 




408 32 


Cash on hand, ...... 




1,487 96 




$65,307 78 


$65,307 78 



Number of Depositors, 320 

Rate of ordinary dividends for the last year, 8 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . $2,290 50 

Average annual expenses, 50 00 






1870.] 



public document—No. 8. 



BARNSTABLE SAVINGS BANK-BARNSTABLE. 

[July 30.] 
Josiah Hinckley, President. Treasurer, John Monroe. 



Deposits, 


$950,782 19 




Interest, 






1,255 02 




Dividend Account, . 






29,311 87 




Public Funds, . 








$246,500 00 


Bank Stock, .... 








175,906 56 


Real Estate, .... 








3,500 00 


Loans on Real Estate, 








311,569 00 


on Personal Security, 








199,717 38 


to Counties, Cities and Towns, 




38,500 00 


Cash on hand, 




5,656 14 








$981,349 08 


$981,349 08 



Number of Depositors, 3,061 

Rate of ordinary dividends for the last year, 7£ per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $20,000 00 

Average annual expenses, 1,850 00 



BERKSHIRE COUNTY SAVINGS BANK— PITTSFIELD. 

[June 24.] 



Julius Rockwell, President. 



Treasurer, Robert W. Adam. 



Deposits, 


$858,283 70 




Profits, .... 


• • • 


45,708 92 




Public Funds, . 


► • • • 




$323,000 00 


Bank Stock, 


• • * 




93,120 00 


Loans on Public Funds, 


» • ■ • 




5,000 00 


on Bank Stock, 


» • • ~ • 




11,000 00 


on Real Estate, 


■ • • • 




171,110 48 


on Personal Security, 




180,456 38 


to Counties, Cities and Towns, 




100,500 00 


Suspense Account, 




762 81 


Expense Account, 




1,035 41 


Cash on hand, 




18,007 54 






$903,992 62 


$903,992 62 



Number of Depositors, 2,800 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1867. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $10,000 00 

Average annual expenses, 4,000 00 



8 



BANK COMMISSIONER'S REPORT. 



[Jan. 



BEVERLY SAVINGS BANK— BEVERLY. 

[October 20.] 



William Endicott, President. 



Treasurer, R. G. Bennett. 



Deposits, ....... 


$149,211 42 




Interest, ....... 


2,388 05 




Public Funds, 




$5,375 00 


Bank Stock, 




14,435 50 


Loans on Public Funds, .... 




8,175 00 


on Bank Stock, .... 




6,100 00 


on Real Estate, .... 




82,486 86 


on Personal Security, 




1,250 00 


to Counties, Cities and Towns, 




25,000 00 


Expense Account, ..... 




15 19 


Cash on hand, 




8,761 92 




$151,599 47 


$151,599 47 



Number of Depositors, 850 

Rate of ordinary dividends for the last year, 6 per cent. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $3,300 00 

Average annual expenses, 250 00 



Paul Adams, President 



BOSTON FIVE CENTS SAVINGS BANK— BOSTON 

[March 11.] 



Treasurer, A. H. Evans. 



Deposits, ....... 


$7,575,842 25 




Profits and Interest, . 


i • • • 


544,291 45 




Suspense Account, . 


• • • 


4,483 52 




Public Funds, . 


• • • • 




$2,485,900 00 


Bank Stock, 


• • • 




354,887 50 


Railroad Bonds, 


i • • • • 




100,000 00 


Real Estate, 


• • • 




103,765 07 


Loans on Public Funds, 


• • • 




135,000 00 


on Real Estate, 


* • • • 




3,509,200 00 


on Personal Security, 




316,000 00 


to Counties, Cities and Towns, 




288,700 00 


to Banks, on interest, 




793,639 97 


Expense Account, ..... 




33,472 14 


Cash on hand, 




4,052 54 






$8,124,617 22 


$8,124,617 22 



Number of Depositors, 50,397 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in April, 1864. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . $40,000 00 

Average annual expenses, 17,861 16 



1870.] 



PUBLIC DOCUMENT— No. 8. 



9 



BOSTON PENNY SAVINGS BANK— BOSTON. 

[February 24.] 
Daniel Harwood, President. Treasurer, Henry R. Reynolds. 



Deposits, . 

Profits, 

Public Funds, 

Bank Stock, 

Real Estate, 

Loans on Public Funds, . 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
on Railroad Stock, . 
to Banks, on interest, 

Cash on hand, . 



$354,664 48 
7,541 93 



$362,206 41 



$91,000 00 

11,000 00 

27,917 60 

33,900 00 

35,000 00 

126,560 00 

24,000 00 

4,700 00 

6,273 76 

1,855 05 



$362,206 41 



Number of Depositors, 7,358 

Rate of ordinary dividends for the last year, 5 per cent. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $11,000 00 

Average annual expenses, 4,361 27 



BRIGHTON FIVE CENTS SAVINGS BANK— BRIGHTON. 

[May 13.] 
James Dana, President. Treasurer, J. L. Ordway. 



Deposits, 


$63,953 24 




Profits, 






1,265 64 




Interest, .... 






1,849 05 




Public Funds, . 








$27,342 50 


Bank Stock, 








8,389 25 


Loans on Bank Stock, 








6,900 00 


on Real Estate, 








19,250 00 


on Personal Security, 








4,000 00 


Suspense Account, . 








32 32 


Expense Account, 








157 83 


Cash on hand, . 








996 03 








$67,067 93 


$67,067 93 



Number of Depositors, 493 

Rates of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in July, 1867. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $4,150 25 

Average annual expenses, 400 00 



10 



BANK COMMISSIONER'S REPORT. 



[Jan. 



BRISTOL COUNTY SAVINGS BANK— TAUNTON. 

[September 14.] 
Joseph "Wilbar, President. Treasurer, George B. Atwood. 



Deposits, 


$1,468,34-8 39 




Profits, ....... 


29,059 60 




Interest, . 


44,998 24 




Public Funds, . . . 




$449,072 87 


Bank Stock, 




45,114 CO 


Real Estate, 




6,133 22 


Loans on Public Funds, .... 




35,300 00 


on Bank Stock, .... 




1,600 00 


on Real Estate, .... 




636,573 76 


on Personal Security, 




324,387 00 


on Railroad Stock, .... 




3,000 00 


to Counties, Cities and Towns, 




31,200 00 


Expense Account, 




1,477 18 


Cash on hand, 




8,548 20 




$1,542,406 23 


$1,542,406 23 



Number of Depositors, 6,108 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $14,477 00 

Average annual expenses, 5,000 00 



CAMBRIDGE SAVINGS BANK— CAMBRIDGE. 

[October 27.] 
Stephen T. Farwell, President. Treasurer, Eben Snow. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 
on Real Estate, 
on Personal Security, 

Expense Account, 

Cash on hand, . 



$772,630 44 
28,427 69 



$801,058 13 



$145,964 21 
2,526 00 
1,100 00 
603,058 00 
45,080 00 
1,182 39 
2,147 53 



$801,058 13 



Number of Depositors, 2,798 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in January, 18G5. 

ira dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $2,526 00 

eragc annual expenses, 1,000 00 






1870.] 



PUBLIC DOCUMENT— No. 8. 



11 



CAMBRIDGEPORT SAVINGS BANK— CAMBRIDGEPORT. 

[October 27.] 
Benjamin Tilton, President. Treasurer, Lucius R. Page. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns, 
to Banks, on interest, 

Expense Account, 

Cash on hand, . 



$639,588 13 
16,345 03 



$655,933 15 



$94,000 00 

17,095 33 

17,800 00 

454,725 00 

37,000 00 

4,500 00 

17,000 00 

6,061 87 

7,750 96 



$655,933 16 



Number of Depositors, 2,459 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in October, 1868. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $5,000 00 

Average annual expenses, 1,225 00 



CANTON INSTITUTION FOR SAVINGS— CANTON. 

[August 19.] 
Charles H. French, President Treasurer, Francis W. Deane. 



Deposits, . 

Interest, . 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns 

Expense Account, 

Cash on hand, .... 



$151,391 57 
13,486 25 



$164,877 82 



$45,000 00 

8,900 00 

72,795 00 

29,180 00 

5,000 00 

557 68 

3,445 14 



$164,877 82 



Number of Depositors, 735 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in April, 1865. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $6,700 00 

Average annual expenses, 500 00 







12 



BANK COMMISSIONER'S REPORT. 



[Jan. 



CAPE ANN SAVINGS BANK— GLOUCESTER. 

[October 21.] 
Gorham P. Low, President. Treasurer, Alfred Presson. 



Deposits, 


$423,042 53 




Interest, ....... 


26,160 58 




Public Funds, 




$130,000 00 


Bank Stock, . , . 




94,945 66 


Loans on Real Estate, .... 




121,177 95 


on Personal Security, 




10,500 00 


to Counties, Cities aud Towns, 




89,500 00 


Cash on hand, 




3,079 50 




$449,203 11 


$449,203 11 



Number of Depositors, 1,995 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in April, 1866. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $10,698 50 

Average annual expenses, 2,000 00 



CAPE COD FIVE CENTS SAVINGS BANK— HARWICH. 

[July 29.] 
Nathaniel Snow, President. Treasurer, Obed Brooks. 



Deposits, ....... 


$187,560 42 




Profits, ....... 


1,941 76 




Public Funds, 




$49,900 00 


Bank Stock, 




17,157 33 


Loans on Real Estate, .... 




60,562 31 


on Personal Security, 


• 


56,208 80 


to Counties, Cities and Towns, 




1,000 00 


Cash on hand, 




4,673 74 




$189,502 18 


$189,502 18 



Number of Depositors, 1,407 

Kate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $14,555 75 

Average annual expenses, 575 00 






1870.] 



PUBLIC DOCUMENT— No. 8. 



13 



CHARLESTOWN FIVE CENTS SAVINGS BANK— CHARLESTOWN. 

[December 23.] 
P. J. Stone, President. Treasurer, Amos Stone. 



Deposits, . 

Interest, . 

Cash overdrawn, 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 



.,099,351 97 
21,361 30 
13,159 61 



1,133,872 88 



$152,850 00 

235,693 25 

13,000 00 

12,000 00 

684,229 63 

36,100 00 



1,133,872 88 



Number of Depositors, 5,652 

Rate of ordinary dividends for the last year, 6 percent. 

Last dividend of reserved profits, in April, 1868. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $44,550 00 

Average annual expenses, 1,500 00 



CHELSEA SAVINGS BANK— CHELSEA. 

[October 15.] 
John H. Osgood, President, Treasurer, Samuel Bassett. 



Deposits, 

Profits, ....... 

Public Funds, 

Bank Stock, 

Loans on Real Estate, .... 
to Counties, Cities and Towns, 


1401,587 50 
11,414 45 


$31,007 50 

26,454 60 

244,134 98 

101,146 67 


Expense Account, . 

Cash on hand, 




2,290 34 
7,967 86 




$413,001 95 


$413,001 95 



Number of Depositors, 2,726 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in August, 1869. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $5,870 00 

Average annual expenses, 1,478 00 



14 



BANK COMMISSIONER'S REPORT. 



[Jan. 



CHICOPEE SAVINGS BANK— CHICOPEE. 

[June 23.] 
Jerome "Wells, President. Treasurer, H. H. Harris. 



Deposits, .... 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, . 
on Bank Stock, 
on Real Estate, 
on Personal Security, 

Profit and Loss Account, . 

Cash on hand, . 



$246,479 65 



$246,479 65 



$30,000 00 

9,200 00 

12,525 00 

7,500 00 

131,221 04 

51,070 00 

1,114 08 

3,849 53 



$246,479 65 



Number of Depositors, 900 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in April, 1869. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $5,000 00 

Average annual expenses, 1,200 00 

-- • i 



CITIZENS' SAVLNGS BANK— FALL RIVER. 

[September 17.] 
Joseph Osborn, President. Treasurer, E. E. Hathaway. 



Deposits, 


$1,303,578 14 




Profits, 


55,233 75 




Public Funds, 




$281,000 00 


Bank Stock, ...... 




281,891 50 


Loans on Real Estate, .... 




150,526 00 


on Personal Security, 




623,425 00 


to Counties, Cities and Towns, 




2,998 75 


Expense Account, ..... 




578 15 


Cash on hand, 




18,392 49 




$1,358,811 89 


$1,358,811 89 



Rate of ordinary dividends for the last year, 

i xtra dividends. 
Largest amount invested in the stock of any one bank. 
Average annual expenses, 



7i per cent. 

$80,000 00 
2,650 00 



' 



1870.] 



PUBLIC DOCUMENT— No. 8. 



15 



CITY INSTITUTION FOR SAVINGS— LOWELL. 

[April 6.] 
Nathan Allen, President. Treasurer, John A. Butteick. 



Deposits, 

Profits, ..... 

Public Funds, .... 

Bank Stock, .... 

Railroad Bonds, 

Loans on Public Funds, . 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns 
to Banks, on interest, 

Cash on hand, .... 



$2,352,517 04 
87,917 76 



$2,440,434 80 



$439,594 00 

386,053 00 

69,000 00 

6,000 00 

33,300 00 

639,365 00 

121,500 00 

639,100 00 

104,000 00 

2,522 80 



$2,440,434 80 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

Last dividend of reserved profits, in January, 1868. 

Extra dividends are made once in . . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



7,250 
5 per cent. 

Five years. 
$37,500 00 
5,300 00 



CLINTON SAVINGS BANK— CLINTON. 

[May 12.] 
Franklin Forbes, President. Treasurer, C. L. S. Hammond. 



Deposits, 


$256,988 01 




Profits, .... 






9,680 29 




Public Funds, . 








$100,000 00 


Bank Stock, .... 








20,000 00 


Loans on Public Funds, . 








5,520 00 


on Bank Stock, 








1,000 00 


on Real Estate, 








77,055 00 


on Personal Security, 








47,475 00 


to Counties, Cities and Towns, 




14,800 00 


Cash on hand, 


• 


818 30 








$266,668 30 


$266,668 30 



Number of Depositors, 1,163 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in October, 1866. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $20,000 00 

Average annual expenses, 900 00 






16 



BANK COMMISSIONER'S REPORT. 



[Jan. 



NK-J 



COHASSET SAVINGS BA 

[September 24.] 
Abraham H. Tower, President. 



COHASSET. 

Treasurer, L. N. Bates. 



Deposits, 


$216,361 91 




Profits, ....... 


4,580 84 




Public Funds, 




$76,000 00 


Bank Stock, . . . 




39,400 00 


Loans on Real Estate, .... 




88,500 00 


to Counties, Cities and Towns, 




12,000 00 


Cash on hand, 




5,042 75 


- 


$220,942 75 


$220,942 75 



Number of Depositors, 712 

Rate of ordinary dividends for tbe last year, 6 per cent. 

Last dividend of reserved profits, in January, 1867. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $6,000 00 

Average annual expenses, 900 00 



DANVERS SAVINGS BANK— DANVERS. 

[October 19.] 
Rufu8 Putnam, President. Treasurer, William L. Weston. 



Deposits, ....... 


$520,253 27 




Profits, ....... 


44,125 09 




Public Funds, ...... 




$207,200 00 


Bank Stock, 




90,125 00 


Loans on Public Funds, .... 




10,000 00 


on Bank Stock, .... 




4,585 00 


on Real Estate, .... 




179,068 00 


on Personal Security, 




30,057 00 


to Counties, Cities and Towns, 




20,000 00 


to Banks, on interest, 




20,108 62 


Expense Account, 




1,139 75 


Cash on hand, 




2,094 99 




$564,378 36 


$564,378 36 



Number of Depositors, 2,173 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in October, 1865. 

Largest amount invested in the stock of any one bank, . . . $25,000 00 

Average annual expenses, 1,200 00 









1870.] 



PUBLIC DOCUMENT— No. 8. 



17 



DEDHAM INSTITUTION FOR SAVINGS-DEDHAM. 

[May 11.] 
E. Burgess, President. Treasurer, C. Guild. 



Deposits, . 

Profits, 

Public Funds, 

Bank Stock, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns 
to Banks, on interest, 

Suspense Account, . 

Cash on hand, . 



$691,063 73 
61,702 57 



$752,766 30 



$71,000 00 

32,452 00 

13,750 00 

1,800 00 

587,726 46 

26,930 00 

5,100 00 

10,996 55 

280 67 

2,730 62 



$752,766 30 



Number of Depositors, 2,983 

Rate of ordinaiy dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in May, 1866. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . , . $12,987 50 

Average annual expenses, 1,951 47 



DORCHESTER SAVINGS BANK— DORCHESTER. 

[July 23.] 
Daniel Denny, President. Treasurer, Edwakd Pierce. 



Deposits, 


$269,392 26 




Profits, ........ 


6,666 56 




Public Funds, 




$61,876 00 


Bank Stock, ...... 




28,575 00 


Loans on Real Estate, .... 




141,885 00 


on Personal Security, 




38,100 00 


to Counties, Cities and Towns, 




2,000 00 


Expense Account, 




235 59 


Cash on hand, 




3,387 23 


' 


$276,058 82 


$276,058 82 



Number of Depositors, 1,078 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in May, 1868. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $5,492 75 

Average annual expenses, 1,000 00 






18 



BANK COMMISSIONER'S REPORT. 



[Jan. 



EAST ABINGTON SAVINGS BANK— EAST ABINGTON. 

[September 10.] 
Sumner Shaw, President. Secretary, Zen as Jenkins. 



Deposits, . 

Profits, 

Bank Stock, 

Loans on Public Funds, 

on Real Estate, 
Expense Account, 
Cash on hand, . 



$47,114 02 
555 05 



$47,669 07 



$15,671 60 

4,000 00 

27,218 00 

190 41 

589 06 



$47,669 07 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Average annual expenses, .... 



236 
6 per cent. 

$190 41 



EAST BOSTON SAVINGS BANK— EAST BOSTON. 

[March 4.] 
P. M. Crane, President. Treasurer, Albert Bowker. 



Deposits, . 


$412,925 26 




Profits, .... 


• • • 


31,093 00 




Interest, . 


i • • • 


66 49 




Dividend Account, . 


• • • 


7,229 42 




Public Funds, . 


» • • • 




$115,000 00 


Bank Stock, 


• • • 




50,927 70 


Real Estate, 


• • • 




8,290 37 


Loans on Public Funds, 


• • • 




18,725 00 


on Bank Stock, 


i • • a 




10,000 00 


on Real Estate, 


» • • • 




210,138 75 


on Personal Security, 




16,795 00 


to Counties, Cities and Towns, 




8,850 00 


Expense Account, ..... 




46 87 


Cash on hand, ...... 




12,540 48 






$451,314 17 


$451,314 17 



Number of Depositors, 1,438 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in July, 1864. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $10,000 00 

Average annual expenses, 1.750 00 






1870.] 



PUBLIC DOCUMENT— No. 8. 



19 



EAST CAMBRIDGE FIVE CENTS SAVINGS BANK— EAST CAMBRIDGE. 

[September 30.] 
George Stevens, 'President. Treasurer, John Savage, Jr. 



Deposits, .... 


• • • 


$443,721 55 




Profits, .... 


• • • 


21,941 88 




Public Funds, . 


• • • 




$103,100 00 


Bank Stock, 


• • • 




47,096 42 


Loans on Real Estate, 


• ' ■ • 




267,650 00 


to Counties, Cities and Towns, 




35,000 00 


Expense Account, 


• • • 




2,385 39 


Cash on hand, . 


• • • 




10,431 62 




$465,663 43 


$465 663 43 



Number of Depositors, * 2,500 

Rate of ordinary dividends for the last year. 4 per cent. 

Last dividend of reserved profits, in October, 1866. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $5,593 64 

Average annual expenses, 600 00 



ELIOT FIVE CENTS SAVINGS BANK— BOSTON. 

[March 26.] 
William S. Leland, President. Treasurer, George C. Leach. 



Deposits, 


$265,004 10 




Profits, 


20,226 59 




Public Funds, 




$59,000 00 


Bank Stock, 




52,800 00 


Railroad Bonds, 




10,000 00 


Loans on Public Funds, .... 




14,200 00 


on Bank Stock, .... 




2,900 00 


on Real Estate, 


4 


99,766 67 


on Personal Security, 




40,000 00 


to Counties, Cities and Towns, 




5,000 00 


Expense Account, 




603 04 


Cash on hand, 




960 98 




$285,230 69 


$285,230 69 



Number of Depositors, . . 2,080 

Rate of ordinary dividends for the last year, 4 per cent. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $13,000 00 

Average annual expenses, 1,300 00 



20 



BANK COMMISSIONER'S REPORT. 



[Jan. 



ESSEX SAVINGS BANK— LAWRENCE. 

[November 9.] 
George D. Cabot, President. Treasurer, James H. Eaton. 



Deposits, ..... 

Profits, ..... 

Public Funds, .... 

Bank Stock, . . 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 

Expense Account, 

Cash on hand, .... 



$1,528,978 86 
39,935 94 



$1,568,914 80 



$548,500 00 
196,950 00 
430,400 00 
225,572 00 
164,000 00 
235 33 
3,257 47 



.,568,914 80 



Number of Depositors, 5,648 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in October, 1867. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $25,000 00 

Average annual expenses, 3,000 00 



FAIRHAVEN INSTITUTION FOR SAVINGS— FAIRHAVEN. 

[September 15.] 
I. F. Terry, President. Treasurer, Charles Drew. 



Deposits, . 

Interest, 

Public Funds, 

Bank Stock, 

Real Estate, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
on Railroad Stock, . 
to Counties, Cities and Towns 
to Banks, on interest, 

Cash on hand, .... 



$355,905 58 
23,330 28 



$379,235 86 



$163,500 00 

112,400 00 

3,500 00 

3,259 00 

13,931 23 
5,052 54 

35,702 12 
7,800 00 

30,000 00 
3,000 00 
1,090 97 



$379,235 86 



Number of Depositors, 895 

Kate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $27,000 00 

Average annual expenses, 1,800 00 



1870.] 



PUBLIC DOCUMENT— No. 8. 



21 



FALL RIVER FIVE CENTS SAVINGS BANK-FALL RIVER. 

[September 17.] 



S. Angier Chase, President. 



Treasurer, C. J. Holmes. 



Deposits, .... 
Profits, .... 
Due Second National Bank, 






$726,324 80 

28,572 09 

500 00 




Public Funds, . 
Bank Stock, 
Kailroad Bonds, 
Loans on Real Estate, 

on Personal Security, 
Expense Account, 
Cash on hand, . 








$250,000 00 

152,000 00 

150,000 00 

38,000 00 

159,700 00 

5,485 45 

211 44 








$755,396 89 


$755,396 89 



Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, . . . . . 



7£ per cent. 

$30,000 00 
1,200 00 



FALL RIVER SAVINGS BANK— FALL RIVER. 

[September 17.] 
J. B. French, President. Treasurer, J. F. Lindsey. 



Deposits, 


$3,543,932 38 




Profits, . . . 




233,343 30 




Public Funds, 






$1,020,000 00 


Bank Stock, 






661,600 00 


Real Estate, 






56,913 67 


Loans on Real Estate, 






256,925 00 


on Personal Security, 






1,733,328 00 


to Counties, Cities and Towns, 




32,000 00 


Cash on hand, 




16,509 01 






$3,777,275 68 


$3,777,275 68 



Number of Depositors, . 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



8,633 
8 per cent. 



$75,600 00 
4,500 00 



22 



BANK COMMISSIONER'S REPORT. 



[Jan. 



FITCIIBURG SAVINGS BANK— FITCHBURG. 

[May 15.] 
Nathaniel Wood, President. Treasurer, Ebenezkr Torfey. 



Deposits, ....... 


$1,326,151 69 




Profits, ....... 


80,574 52 




Suspense Account, ..... 


398 13 




Public Funds, ...... 




$210,000 00 


Bank Stock, ...... 




170,600 00 


Railroad Bonds, 




2,700 00 


Loans on Public Funds, .... 




43,025 00 


on Bank Stock, .... 




3,400 00 


on Real Estate, .... 




450,102 57 


on Personal Security, 




260,086 33 


on Railroad Stock, .... 




26,000 00 


to Counties, Cities and Towns, 




194,600 00 


Expense Account, ..... 




798 04 


Cash on hand, ...... 




45,812 40 




$1,407,124 34 


$1,407,124 34 



Number of Depositors, 5,200 

Rate of ordinary dividends for the last year, 5 J per cent. 

Last dividend of reserved profits, in June, 1866. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $20,000 00 

Average annual expenses, 2,250 00 



FOXBOROUGH SAVINGS BANK— FOXBOROUGH. 

[September 9.] 



Otis Cary, President. 



Treasurer, William H. Thomas. 



Deposits, ....... 


$91,008 27 




Interest, ....... 


2,440 55 




Public Funds, ...... 




$11,300 00 


Bank Stock, ...... 




5,200 00 


Loans on Real Estate, .... 




45,135 00 


on Personal Security, 




21,275 00 


to Counties, Cities and Towns, 




5,500 00 


Cash on hand, ...... 




5,038 82 




$93,448 82 


$93,448 82 



Rate of ordinary dividends for the last year, 
Last dividend of reserved profits, in May, 1866. 
Extra dividends are made once in ... 
Largest amount invested in the stock of any one bank, 
Average annual expenses, 



r cent. 

Five years. 
$1,500 00 
150 00 



1870.] 



PUBLIC DOCUMENT— No. 8. 



23 



Moses Edgell, President. 



FRAMINGHAM SAVINGS BANK— FRAMINGHAM 

[November 17.] 



Treasurer, C. S. Adams. 



Deposits, . 

Interest, . 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns 

Furniture and Fixtures, . 

Expense Account, . 

Cash on hand, .... 



$533,679 40 
20,818 94 



$554,498 34 



$113,100 00 

109,500 00 

25,000 00 

5,630 00 

273,517 03 

4,566 00 

6,775 00 

1,600 00 

798 77 

14,011 54 



$554,498 34 



Number of Depositors, 2,228 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in May, 1866. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $18,000 00 

Average annual expenses, 1,400 00 



FRANKLIN SAVINGS BANK— BOSTON. 
[March 10.] 



Osmyn Brewster, President. 



Treasurer. Henry W. Whittemore. 



Deposits, 


$2,089,612 80 




Profits, 








17,830 91 




Interest, .... 








15,638 94 




Suspense Account, . 








20 00 




Public Funds, . 










$545,445 42 


Bank Stock, 










109,591 71 


Railroad Bonds, 










9,737 50 


Loans on Public Funds, 










1,600 00 


on Bank Stock, 










18,000 00 


on Real Estate, 










1,240,203 00 


on Personal Security, 








47,500 00 


to Banks, on interest, 








149,262 19 


Expense Account, 








632 94 


Cash on hand, . 








1,129 89 










$2,123,102 65 


$2,123,102 65 



Number of Depositors, 6,249 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in July, 1867. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $49,417 75 

Average annual expenses, 4,800 00 






24 



BANK COMMISSIONER'S REPORT. 



[Jan. 



FRANKLIN SAVINGS INSTITUTION— GREENFIELD. 

[June 3.] 

Treasurer, William Henry Allen. 



Samuel 0. Lamb, President 



Deposits, 


$1,472,127 02 




Profits, ....... 


62,072 98 




Public Funds, 




$682,300 00 


Bank Stock, ...... 




60,900 00 


Loans on Public Funds, .... 




82,370 00 


on Bank Stock, .... 




54,450 00 


on Real Estate, .... 




313,650 00 


on Personal Security, 




265,219 62 


to Counties, Cities and Towns, 




65,325 00 


to Banks, on interest, 




7,351 45 


Expense Account, ..... 




766 88 


Cash on hand, ...... 




1,867 05 




$1,534,200 00 


$1,534,200 00 



Number of Depositors, 4,968 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in January, 1867. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $20,400 00 

Average annual expenses, 3,000 00 



GARDNER SAVINGS BANK— GARDNER. 

[November 12.] 
Charles Heywood, President. Treasurer, John D. Edgell. 



Deposits, ....... 


$99,469 12 




Interest, ..... 






630 84 




Cash overdrawn, .... 






127 00 




Public Funds, .... 








$8,702 00 


Bank Stock, .... 








1,584 00 


Loans on Bank Stock, 








2,800 00 


on Real Estate, 








48,600 00 


on Personal Security, 








22,000 00 


to Counties, Cities and Towns, 






16,200 00 


Expense Account, .... 






340 96 








$100,226 96 


$100,226 96 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



535 
5£ per cent. 
$1,584 00 
B 83 



1870.] 



PUBLIC DOCUMENT— No. 8. 



25 



GEORGETOWN SAVINGS BANK— GEORGETOWN. 

[November 10.J 
J. P* Jones, President. Treasurer, W. H. Harriman. 



Deposits, 

Interest, . 

Public Funds, 

Loans on Public Funds, . 

on Real Estate, 

to Counties, Cities and Towns, 
Expense Account, . 
Cash on band, . 




$1,807 50 


800 


00 


5,700 


00 


1,000 


00 


85 75 


248 


91 



>,642 16 



Number of Depositors, . 
Commenced business April 21, 1869. 



86 



GRAFTON SAVINGS BANK— GRAFTON. 

[November 11.] 
Abram M. Bigelow, President. Treasurer, Henry F. Wing. 



Deposits, . - 

Interest, . 

Loans on Public Funds, . 
on Bank Stock, 
on Real Estate, 
on Personal Security, 

Expense Account, 

Cash on hand, . 



$22,375 69 
67 48 



$22,443 17 



$3,000 00 

5,000 00 

3,100 00 

11,144 61 

70 25 

128 31 



$22,443 17 



Number of Depositors, . 
Commenced business June 1, 1869. 



109 



4 



26 



BANK COMMISSIONER'S REPORT. 



[Jan. 



GREENFIELD SAVINGS BANK— GREENFIELD. 

[June 3.] 
John Sanderson, President. Treasurer, R. A. Packard. 



Deposits, .... 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
Cash on hand, . 



$35,120 00 



$35,120 00 



$19,170 00 
4,700 00 
4,925 00 
6,325 00 



$35,120 00 



Number of Depositors, . 
Commenced business April 1, 1869. 



161 



HAMPDEN SAVINGS BANK— SPRINGFIELD. 

[June 23.] 
Stephen C Bemis, President. Treasurer, F. S. Bailey. 



Deposits, . 




• • • 


$571,400 20 




Profits, 




• • • 


15,478 32 




Public Funds, . 




• • • 




$107,175 00 


Bank Stock, 




• • • 




98,092 50 


Railroad Bonds, 




• • • 




5,000 00 


Loans on Public Funds, 




• • • 




7,638 74 


on Bank Stock, 




• • • 




32,000 00 


on Real Estate, 




t • • 




273,350 00 


on Personal Secur 


ity, 


• • • 




57,385 00 


to Counties, Cities 


and Towns, 




3,000 00 


Expense Account, 


• 


• • • 




2,623 92 


Cash on hand, . 


• 


• • • 




613 36 




$586,878 52 


$586,878 52 



Number of Depositors, 1,598 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in February, 1868. 

Extra dividends are made once in ........ Three years. 

Largest amount invested in the stock of any one bank, . . . $20,724 00 

Average annual expenses, 1,600 00 



1870.] 



PUBLIC DOCUMENT— No. 8. 



27 



HAVERHILL SAVINGS BANK— HAVERHILL. 

[November 10.] 
John A. Appleton, President. Treasurer, A. B. Jaques. 



Deposits, 


$1,821,401 22 




Profit and Loss, 


i • a • 


990 61 




Interest, . 


• • - • 


3,302 44 




Public Funds, . 


i • • • 




$714,800 00 


Bank Stock, 


• • • 




318,400 00 


Railroad Bonds, 


• n a 




36,000 00 


Loans on Public Funds, 


► • • • 




33,150 00 


on Bank Stock, 


i -• • ■ 




18,700 00 


on Real Estate, 


> • ■ • 




652,175 00 


on Personal Security, 




17,900 00 


to Counties, Cities and Towns, 




2,500 00 


Expense Account, ..... 




176 66 


Cash on hand, 




31,892 61 






$1,825,694 27 


$1,825,694 27 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



6,513 
6 per cent. 

$26,700 00 
2,700 00 



HINGHAM INSTITUTION FOR SAVINGS— HINGHAM. 

[November 2.] 



Isaac Barnes, President. 



Treasurer, Henry C. Harding. 



Deposits, 


$971,689 19 




Profits, 


63,358 25 




Public Funds, ...... 




$262,800 00 


Bank Stock, 




141,600 00 


Real Estate, 




1,921 03 


Loans on Public Funds, .... 




21,500 00 


on Bank Stock, .... 




7,050 00 


on Real Estate, .... 




579.930 00 


on Personal Security, 




10,000 00 


to Counties, Cities and Towns, 




7,750 00 


Expense Account, 




1,436 87 


Cash on hand, 




1,059 54 




$1,035,047 44 


$1,035,047 44 



Number of Depositors, 3,231 

Rate of ordinary dividends for the last 3 r ear, 6 per cent. 

Last dividend of reserved profits, in January, 1865. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $15,000 00 

Average annual expenses, 1,900 00 






28 



BANK COMMISSIONER'S REPORT. 



[Jan. 



HOLYOKE SAYINGS BANK— HOLYOKE. 

[June 23.] 
Joel Russell, President. Treasurer, R. B. Johnson. 



Deposits, ....... 


$261,777 49 




Profits, ....... 


6,271 87 




Public Funds, ....... 




$20,000 00 


Bank Stock, ...... 




12,069 50 


Loans on Public Funds, .... 




8,520 00 


on Bank Stock, .... 




1,000 00 


on Real Estate, .... 




130,628 00 


on Personal Security, 




59,704 00 


to Counties, Cities and Towns, 




27,775 00 


Expense Account, ..... 




2 25 


Cash on hand, ...... 




8,350 61 




$268,049 36 

i 


$268,049 36 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,285 
6j per cent. 

$6,685 00 
827 00 



HOPKINTON SAVINGS BANK— HOPKINTON. 

[May 4.] 
L. H. Bowker, President. Treasurer, R. F. Claklin. 



Deposits, ....... 


$31 


,516 


83 




Interest, ....... 




572 


25 




Public Funds, ...... 








$8,000 00 


Loans on Real Estate, .... 








7,715 00 


on Personal Security, 








300 00 


to Counties, Cities and Towns, 








12,900 00 


Expense Account, ..... 








454 81 


Cash on hand, . . . . . . 








2,719 27 




$32,089 08 


$32,089 08 



Number of Depositors, 254 

Rate of ordinary dividends for the last year, 5 per cent. 

Extra dividends are made once in Five yeaf 

Average annual expenses, $200 00 



1870.] 



public document—No. 8. 



29 



HYANNIS SAVINGS BANK— HYANNIS. 

[July 30.] 
S. B. Phinney, President. Treasurer, Joseph R. Hall. 



Deposits, .... 
Interest, .... 
Railroad Bonds, 
Loans on Real Estate, 

on Personal Security, 
Cash on hand, . 




$2,880 00 

11,316 00 

29,600 00 

3,302 79 



$47,098 79 



Number of Depositors, .... 
Rate of ordinary dividends for the last year, 
No extra dividends. 
Average annual expenses, . 



272 
6J per cent. 



$160 00 



INSTITUTION FOR SAVINGS— NEWTON. 

[May 11.] 
George Hyde, President. Treasurer, E. J. Collins. 



Deposits, . 

Interest, 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns 

Expense Account, 

Cash on hand, .... 



$132,573 33 
3,061 91 



$135,635 24 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

Last dividend of reserved profits, in January, 1869. 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 
Average annual expenses, 



$9,500 00 

6,805 00 

4,200 00 

95,095 00 

12,200 00 

3,125 00 

470 24 

4,240 00 



$135,635 24 



869 
5 per cent. 

Five years. 
$4,000 00 
500 00 



30 



BANK COMMISSIONER'S REPORT. 



[Jan. 



INSTITUTION FOR SAVINGS IN NEWBURYPORT. 

[October 26.] 



Edward S. Morley, President. 




Treasurer, 


Richard Stone. 


Deposits, ....... 


$2,819,189 54 




Profit and Loss, 


• 




2,618 98 




Interest, . 


» • 




94,953 57 




Suspense Account, . 


i • 




35 00 




Public Funds, . 


• 






$959,526 75 


Bank Stock, 


• < 






887,100 00 


Railroad Bonds, 


• « 






24,700 00 


Real Estate, 


• < 






10,839 48 


Loans on Public Funds, . 


• I 






38,150 00 


on Bank Stock, 


» • < 






4,000 00 


on Real Estate, 


» • i 






404,959 72 


on Personal Security, 






141,754 01 


to Counties, Cities and Towns 






318,830 00 


to Banks, on interest, 






88,647 67 


Annuity in Trust, .... 






9,526 30 


Expense Account, 






2,038 26 


Fifty Associates' Stock, 






25,000 00 


Cash on hand, .... 






1,724 90 








$2,916,797 09 


$2,916,797 09 



Number of Depositors, 8,149 

Rate of ordinary dividends for the last year, 7 per cent. 

Last dividend of reserved profits, in April, 1865. 

Extra dividends are made in Five years. 

Largest amount invested in the stock of any one bank, . . . $75,000 00 

Average annual expenses, 4,700 00 



INSTITUTION FOR SAVINGS IN ROXBURY— BOSTON. 

[March 23.] 
Almond D. Hodges, President. 



Treasurer, Edward Richards. 



Deposits, . 


$1,195,640 41 




Profits, ..... 






99,325 24 




Public Funds, . 








$374,363 65 


Bank Stock, 








173,396 97 


Loans on Public Funds, . 








122,700 00 


on Bank Stock, 








9,790 00 


on Real Estate, 








339,062 87 


on Personal Security, 








189,241 19 


to Counties, Cities and Towns, 




71,900 00 


Cash on hand, ...... 




14,510 97 








$1,294,965 65 


$1,294,965 65 



Number of Depositors, 

Kite of ordinary dividends for the last year, 

Last dividend of reserved profits, in October, 18G">. 

tra dividends ere made once in • 
Larg<"-t amount invested in the stock of any one bank, 
Average annual expenses, 



;85 

6 per cent. 

Five years. 
$40,275 50 
400 00 






1870.] 



PUBLIC DOCUMENT— No. 8. 



31 



LANCASTER SAVINGS BANK— LANCASTER. 

[May 12.] 
Henry Wilder, President. 



Treasurer, C. T. Symmes. 



Deposits, ....... 


$510,891 34 




Profits, ....... 


12,842 


97 




Public Funds, 






$250,000 00 


Bank Stock, 






52,100 00 


Railroad Bonds, 






10,000 00 


Loans on Public Funds, .... 






2,150 00 


on Bank Stock, .... 






2,000 00 


on Heal Estate, .... 






141,824 03 


on Personal Security, 






58,050 00 


to Counties, Cities and Towns, 






5,000 00 


Expense Account, 






467 30 


Cash on hand, . 






2,142 98 




$523,734 31 


$523,734 31 



Number of Depositors, 1,772 

Rate of ordinary dividends for the last year, 5£ per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $8,800 00 

Average annual expenses, 1,037 15 



Milton Bonney, President. 



LAWRENCE SAVINGS BANK— LAWRENCE. 

[November 9.] 

Treasurer, W. R. Spaulding. 



Deposits, 


$133,864 20 




Interest, 


2,790 84 




Public Funds, 




$11,890 74 


Bank Stock, 




8,398 88 


Loans on Real Estate, .... 


• 


98,793 00 


on Personal Security, 




13,900 00 


to Counties, Cities and Towns, 




1,000 00 


Expense account, 




1,849 73 


Cash on hand, . . . 


• 


822 69 




$136,655 04 


$136,655 04 



Number of Depositors, . 

Rate of ordinary dividends for the last year, 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



950 
6 per cent. 
$2,899 88 
600 00 



32 



BANK COMMISSIONER'S REPORT. 



[Jan. 



H. Garfield, President. 



LEE SAVINGS BANK— LEE. 

[June 25.] 



Treasurer, J. L. Kilborn. 



Deposits, .... 

Profits, .... 

Public Funds, . 

Bank Stock, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 

Expense Account, 

Cash on hand, . 



$237,004 86 
3,080 21 



$240,085 07 



$135,500 00 

8,980 00 

960 00 

63,773 00 

15,150 00 

161 67 

15,560 40 



$240,085 07 



Number of Depositors, 1,012 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in May, 1867. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $4,500 00 

Average annual expenses, 575 00 



LEOMINSTER SAVINGS BANK— LEOMINSTER. 

[May 14.] 
Leonard Burrage. President. Treasurer, J. C. Allen. 



Deposits, .... 


• • • 


$80,261 73 




Interest, .... 


■ • ■ 


214 00 




Public Funds, . 


• • • 




$10,510 72 


Loans on Public Funds, . 


• • • 




10,000 00 


on Real Estate, 


• • • 




39,075 00 


on Personal Security, 


• • • 




11,950 00 


on Railroad Stock, . 


• • • 




2,500 00 


to Counties, Cities and Towns, 




4,000 00 


Furniture and Fixtures, . 


• • • 




635 15 


Cash on hand, . 


• • • 




1,804 86 




$80,475 73 


$80,475 73 



Number of Depositors, 

Rate of ordinary dividends for the last year, 
No extra dividends. 
Average annual expenses, . 



• • 



546 
5 pir cent. 



$200 00 






1870.] 



PUBLIC DOCUMENT— No. 8. 



33 



LOWELL FIVE CENTS SAVINGS BANK— LOWELL. 

[April 22.] 
Horatio Wood, President. Treasurer, A. S. Tyler. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns, 
to Banks, on interest, 

Expense Account, 

Interest Account, 

Cash on hand, . 



.,652,037 48 
42,441 48 



$1,694,478 96 



$378,367 50 

148,500 00 

11,725 00 

12,900 00 

7,700 00 

817,650 00 

9,500 00 

199,260 00 

105,000 00 

843 13 

122 02 

2,911 31 



,694,478 96 



Number of Depositors, 7,560 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in July, 1866. 

Extra dividends are made once in , Three years. 

Largest amount invested in the stock of any one bank, . . . $22,500 00 

Average annual expenses, 3,337 00 



LOWELL INSTITUTION FOR SAVINGS— LOWELL. 

[April 6.] ■ 



Theodore Edson, President. 



Treasurer, George J. Carnet. 



Deposits, . 


» • • 


$1,335,103 81 




Profit and Loss, 


i • " • • 


133,301 98 




Public Funds, . 


• • • 




$671,000 00 


Bank Stock, 


• • • 




20,300 00 


Real Estate, 


i • • • 




20,334 06 


Loans on Public Funds, . 


« • • 




26,000 00 


on Bank Stock, 


• • • 




25,100 00 


on Real Estate, 


i • • • 




111,950 00 


to Counties, Cities a 


rid Towns, 




425,925 00 


to Banks, on interes 


t, . . . 




167,130 00 


Cash on hand, . 


» • • • 




666 73 




$1,468,405 79 


$1,468,405 79 



Rate of ordinary dividends for the last year, 4 per cent. 

Last dividend of reserved profits, in 1865. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $14,000 00 

Average annual expenses, 3,400 00 



u 



BANK COMMISSIONER'S REPORT. 



[Jan. 



LYNN FIVE CENTS SAVINGS BANK-LYNN. 

. [October 12.] 
Thomas B. Newhall, President. Treasurer, B. V. French. 



Deposits, ....... 


$619,158 21 




Profits, 


• • • 


7,204 00 




Suspense Account, . 


• • • 


4,644 14 




Public Funds, . 


i • • • 




$135,687 50 


Bank Stock, 


• • • 




134,250 53 


Railroad Bonds, 


i • • • 




19,450 00 


Real Estate, 


• • • 




40,000 00 


Loans on Bank Stock, 


i • • • 




6,750 00 


on Real Estate, 


• • • 




240,350 00 


on Personal Security, 




12,851 96 


to Counties, Cities and Towns, 




19,000 00 


to Banks, on interest, 


• 


19,484 06 


Expense Account, ..... 




1,698 25 


Cash on hand, ...... 




1,484 05 






$631,006 35 


$631,006 35 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



4.744 
6£ per cent. 

$40,665 00 
1,600 00 



LYNN INSTITUTION FOR SAVINGS— LYNN. 

[October 12.] 
Joseph N. Sanderson, President. Treasurer, Elbridge Lovejoy. 



Deposits, ....... 


$729,882 58 




Profits, ....... 


51,999 20 




Public Funds, 




$95,000 00 


Bank Stock, ...... 




61,500 00 


Loans on Bank Stock, .... 




8,250 00 


on Real Estate, .... 




426,658 00 


on Personal Security, 




29,490 00 


to Counties, Cities and Towns, 




• 123,700 00 


to Banks, on interest, 




35,700 00 


Expense Account, ..... 




798 86 


l i on hand, ...... 




784 92 




$781,881 78 


$781,881 78 



Number of Depositors, 

of ordinary dividend* for the last year, 
it dividend of reserved profits, in October, 18G4. 

Lividends arc made once In 

.- 1 1 1 1 < • 1 1 1 1 1 invested in the stock of any one bank, 
Minual expenses 



3,212 
(I per cent. 

ars. 

',000 00 
2,407 59 



1870.] 



PUBLIC DOCUMENT— No. 8. 



35 



Henry Barrett, President. 



MALDEN SAVINGS BANK— MALDEN. 

[November 5.] 

Treasurer, C. Merrill. 



Deposits, 


1105,842 14 




Profits, 


1,043 75 




Public Funds, 




$30,000 00 


Bank Stock, 




2,000 00 


Loans on Real Estate, .... 




66,240 00 


to Counties, Cities and Towns, 




4,000 00 


Expense Account, 




1,271 79 


Cash on hand, ...... 




3,374 10 




$106,885 89 


$106,885 89 



Bate of ordinary dividends for the last year, 

Last dividend of reserved profits, in 1865. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



6 per cent. 



$2,000 00 
300 00 



Mark Fay, President. 



MABLBOBOUGH SAVINGS BANK— MABLBOBOUGH. 

[May 6.] 

Treasurer, E. C. Whitney. 



Deposits, . . . . . . . 


_• 

$328,301 10 




Interest, ....... 


2,239 28 




Bank Stock, 




$31,100 00 


Railroad Bonds, 




74,500 00 


Loans on Bank Stock, .... 




15,500 00 


on Real Estate, .... 




178,553 00 


on Personal Security, 




8,900 00 


to Counties, Cities and Towns, 




9,000 00 


Expense Account, 




946 78 


Cash on hand, ...... 




12,040 60 




$330,540 38 


$330,540 38 



Number of Depositors, 1,264 

Bate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, ... $31,100 00 

Average annual expenses, 1,300 00 



36 



BANK COMMISSIONER'S REPORT. 



[Jan. 



MECHANICS' SAVINGS BANK— LOWELL. 

[April 22.] 
William A. Burke, President. Treasurer, J. F. Rogers. 



Deposits, 

Interest, ....... 

Public Funds, 

Bank Stock, 

Railroad Bonds, 


$1,015,571 32 
49,164 16 


$318,500 00 
99,750 00 
25,000 00 


Loans on Public Funds, .... 
on Bank Stock, .... 
on Real Estate, .... 
to Counties, Cities and Towns, 




18,350 00 

2,700 00 

520,438 34 

35,000 00 


to Banks, on interest, 

Expense Account, 

Cash on hand, 




30,000 00 

4,771 73 

10,225 41 




$1,064,735 48 


$1,064,735 48 



Number of Depositors, 2,736 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in June, 1867. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $15,000 00 

Average annual expenses, 2,000 00 



MEDFORD SAVINGS BANK— MEDFORD. 

[November 6.] 
Edward Brooks, President. Treasurer, Herbert Magoun. 



Deposits, . 
Interest, . 
Public Funds, . 
Bank Stock, 
Loans on Real Estate, 
Furniture and Fixtures, 
Expense Account, 
Cash on hand, . 



$23,457 00 
682 24 



$24,139 24 



$5,484 37 

2,972 75 

13,150 00 

635 16 

165 50 

1,731 46 



$24,139 24 



Number of Depositors, . 
Commenced business in May, 1869. 



329 



1870.] 



PUBLIC DOCUMENT— No. 8. 



37 



MERCANTILE SAVINGS INSTITUTION— BOSTON. 

[October 14.] 
Richard Holmes, President. Treasurer, Anson J. Stone. 



Deposits, . 

Capital Stock, . 

Profits, 

Interest, . 

Suspense Account, 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Real Estate, 

Loans on Public Funds, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns, 
to Banks, on interest, 

Expense Account, 

Cash on hand, , 



11,029,991 53 

205,566 28 

8,392 23 

20,676 27 

557 20 



,265,183 51 



$72,050 00 

2,300 00 

6,000 00 

9,850 19 

3,500 00 

910,707 89 

121,800 06 

130,100 00 

280 36 

2,364 57 

6,230 44 



[,265,183 51 



Number of Depositors, 3,703 

Rate of ordinary dividends for the last year, to Depositors, 5 per cent. ; 

to Stockholders, 5£ per cent. 
Last dividend of reserved profits, in April, 1868. 

Extra dividends are made once in . Five years. 

Largest amount invested in the stock of any one bank, . . . $1,300 00 

Average annual expenses, 14,405 04 



MIDDLESEX INSTITUTION FOR SAVINGS— CONCORD. 

[March 30.] 
George M. Brooks, President. Treasurer, George Haywood. 



Deposits, 


$727,837 08 




Profits, ........ 


70,396 15 




Interest, ....... 


16,985 79 




Public Funds, 




$158,000 00 


Bank Stock, 




227,500 00 


Loans on Real Estate, .... 




330,296 67 


on Personal Security, 




26,725 11 


to Counties, Cities and Towns, 




49,828 00 


Dividend Account, 




13,707 25 


Expense Account, 




915 95 


Cash on hand, 




8,246 04 




$815,219 02 


$815,219 02 



Number of Depositors, 2,918 

Rate of ordinary dividends for the last year, 4 per cent. 

Last dividend of reserved profits, in June, 1865. 

Extra dividends are made once in . . Five years. 

Largest amount invested in the stock of any one bank, . . . $16,700 00 

Average annual expenses, > . 2,175 00 






38 



BANK COMMISSIONER'S REPORT. 



[Jan. 



MILFORD SAVINGS BANK— MILFORD. 

[April 30.] 
Orison Underwood, President. Treasurer, A. G. Underwood. 



Deposits, . 


• • • • 


$273,218 18 




Profits, 


• 4 






2,943 70 




Interest, . 


• 






7,901 81 




Public Funds, . 


. , 








$46,100 00 


Bank Stock, 


m 








17,700 00 


Loans on Public Funds, 


• i 








8,750 00 


on Bank Stock, 


. 








24,234 00 


on Real Estate, 


• 








83,266 00 


on Personal Security, 








34,392 88 


to Counties, Cities and Towns, 




69,000 00 


Cash on hand, . 


• • • • 




620 81 










$284,063 69 


$284,063 69 



Number of Depositors, 1,523 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in May, 1867. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $8,000 00 

Average annual expenses, 1,025 00 



MILLBURY SAVINGS BANK— MILLBURY. 

[May 7.] 
Tiros. J. Harrington, President. Treasurer, D. At wood. 



Deposits, . 


■ • • • 


$151,387 76 




Profits, 


• • * • 


10,223 


80 




Public Funds, . 


■ • • ■ 






$61,500 00 


Bank Stock, 


• • • • 






17,800 00 


Loans on Real Estate, 


• • • * 






58,275 00 


to Counties, Cities and Towns, 






20,000 00 


Expense Account, 


• • • • 






177 69 


Cash on hand, . 


• • • • 






3,858 87 




$101,611 


50 


$161,611 56 



Number of Depositors, 

Bate of ordinary dividends for the last year, 
Last dividend of reserved profits, in July, 18G4. 
Extra dividends are made once in . . • • . 
Largest amount invested in the stock of any one bank, 
Average annual expen 







5 


per cent. 


Five years. 




$5,500 00 




760 00 



1870.] 



PUBLIC DOCUMENT— No. 8. 



39 



NANTUCKET INSTITUTION FOR SAVINGS— NANTUCKET.- 

[July 31.] 
George Cobb, President. Treasurer, Matthew Barney. 



Deposits, . 

Interest, . 

Public Funds, . 

Bank Stock, 

Keal Estate, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns 

Suspense Account, . 

Expense Account, 

Cash on hand, . 



$392,356 92 
5,042 06 



$397,398 98 



$62,076 47 

115,756 00 

8,575 00 

9,088 00 

1,300 00 

161,182 03 

22,189 80 

6,500 00 

166 00 

570 41 

9,995 27 



$397,398 98 



Number of Depositors, 1,412 

Rate of ordinary dividends for the past year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $20,000 00 

Average annual expenses, 1,275 00 



NATICK FIVE CENTS SAVINGS BANK— NATICK. 

[December 1.] 
John Kimball, President. Treasurer, Nathaniel Clark. 



Deposits, .... 

Interest, . 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 

Cash on hand, 



$162,202 76 
2,444 78 



$164,647 54 



$7,500 00 

518 75 

107,594 00 

18,700 CO 

27,500 00 

2,834 79 



$164,647 54 



Number of Depositors, 957 

Rate of ordinary dividends for the last year, 5£ per cent'. 

No extra dividends. 

Average annual expenses, $600 00 



40 



BANK COMMISSIONER'S REPORT. 



[Jan. 



NEW BEDFORD FIVE CENTS SAVINGS BANK— NEW BEDFORD. 

[September 15.] 
George Howland, President. Treasurer, B. Ricketson, Jr. 



Deposits, ....... 


$1,604,516 87 




Profits, ....... 


101,355 24 




Interest, ....... 


21,646 01 




Public Funds, 




$1,039,300 00 


Bank Stock, ...... 




49,000 00 


Loans on Public Funds, .... 




62,158 50 


on Real Estate, .... 




297,338 41 


on Personal Security^ 




272,738 24 


to Counties, Cities and Towns, 




4,370 00 


Expense Account, 




1,842 55 


Cash on hand, 




770 42 




$1,727,518 12 


$1,727,518 12 



Number of Depositors 7,947 

Rate of ordinary dividends for the last year, 6£ per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $16,000 00 

Average annual expenses, 4,500 00 



NEW BEDFORD INSTITUTION FOR SAVINGS-NEW BEDFORD. 

[September 16.] 
Thomas Mandell, President. Treasurer, William C. Coffin. 



♦ ■ — — — — " — ... 

Deposits, ....... 


$5,151,834 14 




Profits, 


i • • • 


240,259 05 




Public Funds, . 


• • • 




$2,892,345 00 


Bank Stock, 


• • • 




1,161,650 00 


Railroad Bonds, 


• • • 




39,010 00 


Real Estate, 


• • • 




5,553 00 


Loans on Public Funds, 


• • • 




68,805 00 


on Bank Stock, 


t • • • 




8,960 00 


on Real Estate, 


» • • • 




3,200 00 


on Personal Security, 




937,721 40 


on Railroad Stock, .... 




14,650 00 


to Counties, Cities and Towns, 




153,854 00 


to Banks, on interest, 




49,225 62 


Expense Account, 




3,921 72 


Cash on hand, 




53,197 45 






$5,392,093 19 


$5,392,093 19 



N uin I icr of Depositors, 13,285 

ie of ordinary dividends for. the last year, 7 per cent. 

lividends. 

Largest amount invested In tho stock of any one bank, . . . .>H>»;,i;oo 00 

.:<■ annual exp 8,790 68 



1870.] 



PUBLIC DOCUMENT— No. 8. 



41 



NEWBURYPORT FIVE CENTS SAVINGS BANK— NEWBURYPORT. 

[October 26.] 
David Wood, President. Treasurer, J. A. Maynard. 



Deposits, 


$511,174 18 




Profits, .... 


• • • 


19,913 15 




Public Funds, . 


• • • 




$135,000 00 


Bank Stock, . ; 


i • • • 




86,780 00 


Railroad Bonds, 


» • • • 




16,437 00 


Loans on Public Funds, 


i • • • 




18,900 00 


on Bank Stock, 


► • • • 




7,000 00 


on Real Estate, 


• • • 




138,395 00 


on Personal Security, 




50,220 00 


on Railroad Stock, .... 




2,000 00 


to Counties, Cities and Towns, 




58,805 00 


to Banks, on interest, . . 




16,815 58 


Expense Account, ..... 




1 20 


Cash on hand, 




733 55 






$531,087 33 


$531,087 33 



Number of Depositors, " 3,062 

Rate of ordinary dividends for the last year, 6£ per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, ... $8,000 00 

Average annual expenses, 1,300 00 



NORTHAMPTON INSTITUTION FOR SAVINGS— NORTHAMPTON. 

[June 2.] 
William Allen, President. Treasurer, L. Maltby. 



Deposits, 


$1,013,777 44 




Interest, .... 






14,860 45 




Public Funds, .... 








$492,000 00 


Bank Stock, .... 








37,000 00 


Loans on Public Funds, . 








33,336 20 


on Bank Stock, 








50,670 00 


on Real Estate, 








283,060 40 


on Personal Security, 








120,419 00 


to Counties, Cities and Towns, 




7,500 00 


Cash on hand, 




4,652 29 








$1,028,637 89 


$1,028,637 89 



Number of Depositors, ... . . . . . . . 3,665 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in April, 1868. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $4,000 00 

Average annual expenses, . . 3,000 00 



42 



BANK COMMISSIONER'S REPORT. 



[Jan. 



NORTH ADAMS SAVINGS BANK— NORTH ADAMS. 

[June 26.] 
R. H. Wells, President. Treasurer, E. D. "WnrTTAKER. 



Deposits, . 




$303,624 71 




Profits, 


• • • 


11,717 83 




Public Funds, . 


■ • « • 




$23,450 00 


Bank Stock, 


• • • 




6,400 00 


Loans on Public Funds, 


• • 




11,950 00 


on Bank Stock, 


■ • • 




1,700 00 


on Real Estate, 


• • • 




66,360 00 


on Personal Securit 


h ■ 




133,750 00 


to Counties, Cities and Towns, 




64,780 00 


Expense Account, 


• • • 




1,001 59 


Cash on hand, . 


• • 




5,950 95 




$315,342 54 


$315,342 54 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,335 



6 per cent. 
$3,000 00 
1,200 00 



NORTH BROOKFIELD SAVINGS BANK, NORTH BROOKFIELD. 

[June 22.] 
Charles Adams, Jr., President. Treasurer, Bonum Nye. 



Deposits, ....... 


$121,222 78 




Profits, ....... 


5,757 60 




Public Funds, 




$77,900 00 


Bank Stock, ...... 




1,400 00 


Loans on Real Estate, .... 




30,767 75 


on Personal Security, 




11,400 00 


to Counties, Cities and Towns, 




4,445 00 


Furniture and Fixtures, .... 




118 00 


Profit and Loss, ..... 




158 62 


Expense Account, ..... 




186 22 


Cash on hand, ...... 




604 79 




$126,980 38 


$126,980 38 



NumlxT of Depositors 

Rate of ordinary dividends for the last year, 
i dividend of reserved profits, in 1866. 

Extra dividends are made once in 

amount invested in the stock of any one bank. 
annual ezpen 



764 
<; per cent 

Five j sara. 

-1.000 00 
830 00 



1870.] 



PUBLIC DOCUMENT— No. 8. 



43 



NORTH EASTON SAVINGS BANK— NORTH EASTON. 

[August 19.] 
Frederick L. Ames, President. Treasurer, P. A. Gifford. 



Deposits, .... 

Interest, .... 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
Expense Account, 
Cash on hand, . 



1136,753 81 
2,976 06 



$139,720 87 



$82,533 05 

25,406 75 

15,088 34 

14,199 86 

68 75 

2,424 12 



$139,720 87 



Number of Depositors, 607 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $8,100 00 

Average annual expenses, 250 00 



PEOPLE'S SAVINGS BANK— WORCESTER. 

[May 4.] 
John C. Mason, President. Treasurer, H. C. Rice. 



Deposits, . 


$1,383,138 43 




Interest, .... 








20,615 82 




Suspense Account, . 








14,795 00 




Public Funds, . 










$436,500 00 


Bank Stock, 










101,200 00 


Real Estate, 










60,262 61 


Loans on Public Funds, 










20,200 00 


on Bank Stock, 










8,900 00 


on Real Estate, 










592,085 00 


on Personal Security, 








107,150 00 


to Banks, on interest, 








50,138 74 


Premiums, 








30,773 44 


Profit and Loss, 






i 


8,428 83 


Expense Account, 








1,199 13 


Cash on hand, 




1,711 50 










$1,418,549 25 


$1,418,549 25 



Number of Depositors, 4,609 

Rate of ordinary dividends for the last year, ...... 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank. . . . $14,631 25 

Average annual expenses, 2,965 00 



44 



BANK COMMISSIONER'S REPORT. 



[Jan. 



PLYMOUTH FIVE CENTS SAVINGS BANK— PLYMOUTH. 

[September 22.] 



Leander Lovell, President. 



Treasurer, D. J. Robbins. 



Deposits, 


$249,050 78 




Profits, 


1,781 88 




Public Funds, 




$135,000 00 


Bank Stock, 




16,000 00 


Railroad Bonds, 




20,000 00 


Real Estate, 




2,850 00 


Loans on Public Funds, .... 




3,997 00 


on Bank Stock, .... 




193 00 


on Real Estate, .... 




50,203 00 


on Personal Security, 




4,413 00 


on Railroad Stock, .... 




180 00 


to Counties, Cities and Towns, 




14,000 00 


Expense Account, ..... 




605 52 


Casb on hand, 




3,391 14 




$250,832 66 


$250,832 66 



Number of Depositors, 1,628 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $2,500 00 

Average annual expenses, 1,025 00 



PLYMOUTH SAVINGS BANK— PLYMOUTH. 

[September 22.] 

Nathaniel Russell, President. Treasurer, Allen Danforth. 



Deposits, ....... 


$1,403,017 56 




Profits, .... 


• 




61,227 93 




Suspense Account, . 


► • i 




38 97 




Public Funds, . 


i • 






$493,000 00 


Bank Stock, 


t • 






396,115 00 


Railroad Bonds, 


> • 






42,000 00 


Real Estate, 


» • 






8,301 35 


Loans on Public Funds, 


i • 






16,750 00 


on Bank Stock, 


• 






5,700 00 


on Real Estate, 


• • 






244,531 25 


on Personal Security, 






120,246 00 


on Railroad Stock, . 






20,790 00 


to Counties, Cities and Towns, 






95,240 95 


to Banks, on interest, 






10,078 23 


Expense Account, 






657 13 


Cash on hand, .... 






10,874 55 








$1,464,284 46 


$1,464,284 46 



Number Of Depositors, 5,558 

Bate of ordinary dividends for the last year, 8 per rent. 

No extra dividends. 

t amount invested in the stock of any one bank, . . . $27,000 00 

erage annual expenses, 4,500 00 






1870] 



public document—No. 8. 



45 



PROVIDENT INSTITUTION FOR SAVINGS— BOSTON. 

[March 19.]. 
John Amoey Lowell, President. Treasurer, Peter Wainwright. 



Deposits, ....... 


$9,931,793 66 




Profit and Loss, 




i • « 




19,286 00 




Interest, . 




R • 




63,340 52 




Suspense Account, . 




t • 1 




5,568 65 




Public Funds, . 




» • < 






$1,197,625 09 


Bank Stock, 




• < 






1,126,600 00 


Railroad Bonds, 




1 • 






609,250 00 


Real Estate, 




• 






50,000 00 


Loans on Public Funds, 


t • 






167,000 00 


on Bank Stock, 


» * . * 






20,300 00 


on Real Estate, 


» • 1 






2,261,150 00 


on Personal Security, 






3,625,000 00 


on Railroad Stock, 






3,200 00 


to Counties, Cities and Towns 






821,300 00 


Expense Account, 






8,473 37 


Cash on hand, .... 






130,090 37 










110,019,988 83 


110,019,988 83 



Number of Depositors, 32,106 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in July, 1867. 

Extra dividends are made once in ....... Five years. 

Largest amount invested in the stock of any one bank, . . . $188,100 00 

Average annual expenses, 32,573 65 



PROVIDENT INSTITUTION FOR SAVINGS— SALISBURY. 

[November 16.] 
William C. Binney, President. Treasurer, Thomas J. Clark. 



Deposits, . 


• • • • • 


1833,613 86 




Profit and Loss, 


• • • • • 


5,234 77 




Interest, . 


• • • • • 


3,527 96 




Public Funds, . 


• •••• 




$386,000 00 


Bank Stock, 


• • * • ■ 




128,825 00 


Railroad Bonds, 


• • • • • 




35,000 00 


Real Estate, 


• • • • • 




2,500 00 


Loans on Real Estate, .... 




103,700 00 


on Personal 


Security, . . . 




97,650 00 


to Counties, 


Cities and Towns, 




75,000 00 


Expense Account, 


• • • • • 




743 74 


Cash on hand, . 


• • • • • 




12,957 85 




$842,376 59 


$842,376 59 



Number of Depositors, 3,460 

Rate of ordinary dividends for the last year, . . . . . 7 per cent. 
Last dividend of reserved profits, in 1865. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $10,000 00 

Average annual expenses, 1,200 00 



46 



BANK COMMISSIONER'S REPORT. 



[Jan. 



Daniel Baxter, President 



QUINCY SAVINGS BANK— QUINCY 

[July 23.] 



Treasurer, Horace B. Spear. 



Deposits, .... 




$501,372 97 




Profits, .... 




. . 


33,433 08 




Public Funds, . 




... 




$182,000 00 


Bank Stock, 




... 




53,034 86 


Railroad Bonds, 




... 




25,000 00 


Loans on Public Funds, 




... 




186 98 


on Bank Stock, 




... 




17,500 00 


on Real Estate, 




... 




143,170 00 


on Personal Security, 


... 




3,531 88 


to Counties, Cities and Towns, 




101,000 00 


Expense Account, 


... 




2,222 54 


Cash on hand, . 




• 


7,159 79 






$534,806 05 


$534,806 05 



Number of Depositors, 1,844 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in April, 1865. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $10,000 00 

Average annual expenses, 1,000 00 



Atherton Wales, President. 



RANDOLPH SAVINGS BANK— RANDOLPH. 
[August 31.] 



Treasurer, Seth Turner. 



Deposits, ....... 


$216,841 89 




Interest, .... 


• • • 


12,755 22 




Public Funds, . 


• • • 




$80,000 00 


Bank Stock, 


• • ■ 




27,100 00 


Railroad Bonds, 


> • • • 




47,000 00 


Loans on Bank Stock, 


k • • • 




600 00 


on Real Estate, 


• • * 




19,550 00 


on Personal Securit 


r, • 




13,678 40 


to Counties, Cities and Towns, 




33,000 00 


to Banks, on interest, 




L94 82 


Expense Account, ..... 




2,016 67 


i iiium Account, ..... 




429 75 


Cash on hand, 




</,027 47 






$229,597 11 


$229,597 11 



Number of Depositors, 

to of ordinary dividends for the last year, nfc 

Last dividend of I 1 profits, in April, 1866. 

ra dividends arc mads once in srs. 

Largest amount invested in the stock of any one bank, • • • L,600 00 

;<• annual expenses, 450 00 



I 



1870.] 



PUBLIC DOCUMENT— No. 8. 



47 



READING SAVINGS BANK— READING. 

[November 4.] 
Ephraim Hunt, President. Treasurer, N. P. Pratt. 



Deposits, . 

Profits, 

Cash overdrawn, 

Bank Stock, 

Loans on Public Funds, 
on Real Estate, 
on Personal Security, 

Expense Account, 



113,092 00 

19 20 

2 18 



$13,113 38 



$4,340 25 

6,625 00 

1,700 00 

350 00 

98 13 



$13,113 38 



Number of Depositors, . 
Commenced business July 31, 1869. 



112 



ROCKPORT SAVINGS BANK— ROCKPORT. 

[October 21.] 
Henry Dennis, President. Treasurer, Newell Giles. 



Deposits, . 

Profits, 

Dividend Account, 

Public Funds, . 

Bank Stock, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 

Cash on hand, . 



$135,463 40 
1,049 46 
3,683 67 



$140,196 53 



$19,000 00 

32,650 00 

500 00 

63,326 26 

21,905 60 

2,814 67 



$140,196 53 



Number of Depositors, 790 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in July, 1868. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $5,100 00 

Average annual expenses, 510 00 






48 



BANK COMMISSIONER'S REPORT. 



[Jan. 



SALEM FIVE CENTS SAVINGS BANK— SALEM. 

[October 20.] 
Henry S. "Williams, President. Treasurer, Charles H. Henderson. 



Deposits, 


$822,885 07 




Profits, .... 


• • • 


16,862 70 




Public Funds, . 


» • • • 




$289,187 38 


Bank Stock, 


> • • • 




49,194 75 


Railroad Bonds, 


> • • • 




18,800 00 


Loans on Public Funds, 


i • • • 




57,300 00 


on Bank Stock, 


• • • 




2,100 00 


on Real Estate, 


• • • 




240,434 30 


on Personal Security, 




69,650 00 


on Railroad Stock, .... 




3,500 00 


to Counties, Cities and Towns, 




97,462 50 


to Banks, on interest, 




11,700 00 


Cash on hand, ...... 




418 84 






$839,747 77 


$839,747 77 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



4,151 
7 per cent. 

$10,200 00 
2,900 00 



SALEM SAVINGS BANK— SALEM. 

[November 3.] 
Joseph S. Cabot, President. Treasurer, Charles E. Stmonds. 



Deposits, . 


• • • • 


$3,969,784 08 




Profits, 


• • • • 


56,501 70 




Public Funds, . 


• • • • 




$1,770,400 00 


Bank Stock, 


• • • • 




292,690 00 


Railroad Bonds, 


• • • • 




25,000 00 


Loans on Bank Stock, 


• • • • 




20,000 00 


on Real Estate, 


• • • • 




455,811 00 


on Personal Security, 




690,850 00 


to Counties, Cities and Towns, 




717,750 00 


to Banks, on interest, 




37,326 80 


Cash on hand, . 


• • • • 




16,457 98 




$4,026,285 78 


$4,026,285 78 



Number of Depositors, Li, 598 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in October, 1868 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $60,000 00 

Average annual expenses, 7,500 00 



1870.] 



PUBLIC DOCUMENT— No. 8. 



49 



SANDWICH SAVINGS BANK— SANDWICH. 

[August 2.] 
William E. Boyden, President. Treasurer, Charles B. Hall. 



Deposits, ....... 


$39,742 39 




Public Funds, . . . . . 




$12,800 00 


Loans on Real Estate, .... 




11,815 00 


on Personal Security, 




13,760 00 


to Counties, Cities and Towns, 




800 00 


Expense Account, 




495 03 


Cash on hand, 




72 36 




$39,742 39 


$39,742 39 



Number of Depositors, 349 

Kate of ordinary dividends for the last year, 6 per cent. 

Extra dividends are made once in Five years. 

Average annual expenses, $100 00 



SCITUATE SAVINGS BANK— SCITUATE. 

[September 30.] 
John Beal, President. Treasurer, C. W. Prouty. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 
on Eeal Estate, 
on Personal Security, 
to Counties, Cities and Towns, 

Cash on hand, 



,187 49 
3,643 59 



$77,831 08 



$13,100 00 

14,700 00 

1,000 00 

37,825 00 

1,534 73 

9,070 00 

601 35 



$77,831 08 



Number of Depositors, 260 

Bate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1867. « 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $6,600 00 

Average annual expenses, 225 00 



50 



BANK COMMISSIONER'S REPORT. 



[Jan . 



SEAMEN'S SAVINGS BANK— PROVINCETOWN. 

[July 27.] 
David Fairbanks, President. Treasurer. John Young, Jr. 



Deposits, 


$355,495 82 




Profits, 


► • 






5,992 09 




Interest, . 


i • 






351 88 




Dividend Account, . 


• 






6,166 14 




Public Funds, . 


• 








$160,609 42 


Bank Stock, 


• 








50,193 05 


Real Estate, 


> • 








2,608 12 


Loans on Public Funds, . 








7,650 00 


on Bank Stock, 








4,500 00 


on Real Estate, 








19,264 00 


on Personal Security, 








100,753 80 


Railroad Stock, 








500 00 


to Counties, Cities and Towns, 




19,275 00 


Cash on hand, 




2,652 54 










$368,005 93 


$368,005 93 



Number of Depositors, 1,287 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $13,9y5 00 

Average annual expenses, 1,400 00 



SHELBURNE FALLS FIVE CENTS SAVINGS BANK— SHELBURNE. 

[June 2.] 
F. A. Ball, President. Treasurer, A. K. Hawks. 



Deposits, . 
Interest, . 
Public Funds, . 
Bank Stock, 
Loans on Bank Stock, 
on Real Estate, 
„ on Personal Security, 
Cash on hand, . 



$367,640 81 
6,911 82 



$374,552 63 



$94,600 00 

21,100 00 

8,000 00 

130,283 50 
99,8(54 97 
20,704 16 



$374,552 63 



Number of Depositors, 1,!)00 

Rate of ordinary dividends for the year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $15,400 00 

age annual expenses, 1,100 00 



1870.] 



PUBLIC DOCUMENT— No. 8. 



51 



SOUTHBRIDGE SAVINGS BANK— SOUTHBRIDGE. 

[October 6.] 
Samuel Hartwell., President. Treasurer, S. M. Lane. 



Deposits, 


$472,969 45 




Profit and Loss, 


■ • • • 


6,009 55 




Interest, .... 


• • • 


5,375 14 




Public Funds, . 


• • • • 




$209,000 00 


Bank Stock, 


» • • • 




37,000 00 


Loans on Public Funds, 


i • • • 




., 47,700 00 


on Bank Stock, 


• • • 




10,310 00 


on Real Estate, 


• • • 




105,300 00 


on Personal Security, 




56,000 00 


to Counties, Cities and Towns, 




17,000 00 


to Banks, on interest, 




1,000 00 


Expense Account, 


- 


' 255 19 


Cash on hand, ...... 




788 95 






$484,354 14 


$484,354 14 



Number of Depositors, 1,774 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in July, 1868. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $11,500 00 

Average annual expenses, 1,022 53 



Frederick Nickerson, President. 



SOUTH BOSTON SAVINGS BANK— BOSTON. 

[May 13.] 

Treasurer, D. McB. Thaxter. 



Deposits, . 

Profits, . . . 








$187,391 88 
302 68 




Interest, . . . 








769 59 




Suspense Account, . 
Public Funds, . 
Loans on Real Estate, 
Furniture and Fixtures^ . 








63 00 


$64,700 00 

105,802 00 

1,422 95 


Premium Account, . 
Expense Account, 
Cash on hand, . 










5,877 00 

651 90 

10,073 30 










$188,527 15 


$188,527 15 



Number of Depositors, 1,732 

Rate of ordinary dividends for the lafet year, 6 per cent. 

Last dividend of reserved profits, in January, 1869. 

Extra dividends are made once in Three years. 

Average annual expenses, $1,100 00 






52 



BANK COMMISSIONER'S REPORT. 



[Jan. 



SOUTH SCITUATE SAVINGS BANK-SOUTH SCITUATE. 

[September 30.] 
Moses F. Rogers, President. Treasurer, Ebenezer T. Fogg. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 

Cash on hand, ..... 



$251,330 29 
11,361 40 



$262,691 69 



$13,850 00 
46,400 00 

161,400 02 

25,492 56 

12,067 00 

3,482 11 



$262,691 69 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

Last dividend of reserved profits, in February, 1865. 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



911 
6 per cent. 

Five years. 
$6,500 00 
600 00 



SOUTH WEYMOUTH SAVINGS BANK— SOUTH W, EYM ()UTH. 

[September 10.] 
Albert Tirrell, President. Treasurer, B. F. White. 



Deposits, . 

Profit and Loss, 

Interest, 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
Cash on hand, . 



$68,889 17 

390 74 

55 20 



$69,335 11 



$35,338 50 

26.912 66 

5,900 60 

1,183 35 



,335 11 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



292 
5 per cent. 
Three years. 
$1,079 87 
250 00 



1870.] 



PUBLIC DOCUMENT— No. 8. 



53 



SPRINGFIELD FIVE CENTS SAVINGS BANK— SPRINGFIELD. 

[June 5.] 
James C. Pynchon, President. Treasurer, Daniel J. Marsh. 



Deposits, . 

Interest, . 

Public Funds, v 

Bank Stock, 

Loans on Public Funds, 

on Eeal Estate, 

to Counties, Cities and Towns, 
Cash on hand, 



$703,874 32 
19,632 46 



$723,506 78 



$230,000 00 

37,600 00 

7,650 00 

436,000 00 

3,000 00 

£,256 78 



$723,506 78 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



4,107 
7 per cent. 

$5,600 00 
2,879 92 



SPRINGFIELD INSTITUTION FOR SAVINGS— SPRINGFIELD. 

[June 4.] 
Josiah Hookek, President. Treasurer, Henry S. Lee. 



Deposits, 


$3,119,543 40 




Profits, 


» • 








67,302 44 




Public Funds, . 


► • 










$1,152,531 00 


Bank Stock, 


i • 










280,300 00 


Real Estate, 


i • 










■ 99,054 88 


Loans on Public Funds, 










154,650 00 


on Bank Stock, 










70,900 00 


on Real Estate, 










1,270,330 00 


on Personal Security, 








7,200 00 


to Counties, Cities and Towns, 




92,500 00 


Cash on hand, 




59,379 96 












$3,186,845 84 


$3,186,845 84 



Number of Depositors, . . . 9,150 

Rate of ordinary dividends for the last year, 7 per cent. 

Last dividend of reserved profits, in July, 1864. 

Largest amount invested in the stock of any one bank, . . . $18,000 00 

Average annual expenses, . 5,500 00 



54 



BANK COMMISSIONER'S REPORT. 



[Jan. 



STONEHAM FIVE CENTS SAVINGS BANK— STONEHAM. 

[November 20.] 
Benjamin F. Richardson, President. • 



Treasurer, Ira Gerry. 



Deposits, .... 
Interest, .... 
Public Funds, . 
Loans on Real Estate, 

on Personal Security, 
Cash on hand, . 



$118,058 56 
7,391 11 



$125,449 67 



$30,700 00 

72,399 00 

21,333 57 

1,017 10 



$125,449 67 



Number of Depositors, 766 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in November, 1865. 

Extra dividends are made once in ....*... Five years. 

Average annual expenses, $250 00 



SUFFOLK SAVINGS BANK FOR SEAMEN AND OTHERS— BOSTON. 

[March 17.] 
Thomas Lamb, President. Treasurer, Charles Henry Parser. 



Deposits, ....... 


$4,851,227 18 




Profits, 


• 4 






307,458 33 




Public Funds, . 


► • 








$1,416,600 00 


Bank Stock, 


• 1 








396,825 00 


Railroad Bonds, 


i • 1 








271,000 00 


Real Estate, 


• 








100,000 00 


Loans on Public Funds, . 








50,000 00 


on Bank Stock, 








10,000 00 


on Real Estate, 








1,343,350 00 


on Personal Security, 








1,257,000 00 


on Railroad Stock, . 








250,000 00 


Dividend Account, . 








28,643 14 


Expense Account, 








9,888 63 


Cash on hand, . 








25,378 74 










$5,158,685 51 


$5,158,685 51 



Number of Depositors, 14,427 

Rate of ordinary dividends for the last year, 4i per cent. 

Last dividend of reserved profits, in April, 1868. 

tra dividends are made once in Five years. 

Lftigest amount invested in the stock of any one bank, . . . i.-JOO 00 

Average annual expenses, 18,550 33 



' 



1870.] 



PUBLIC DOCUMENT— No. 8. 



•55 



TAUNTON SAVINGS BANK— TAUNTON. 

[September 14.] 



Willard Lovering, President. 



Treasurer, Henry R. Wood. 



Deposits, ....... 


153,041 73 




Interest, ....... 


1,514 87 




Loans on Public Funds, . 




$15,000 00 


on Real Estate, .... 




6,825 00 


on Personal Security, 




17,935 80 


to Counties, Cities and Towns, 




14,000 00 


Expense Account, 




249 00 


Cash on hand, 




546 80 




$54,556 60 


$54,556 60 



Number of Depositors, . 
Commenced business July 3, 1869. 
No extra dividends. 



271 



UNION INSTITUTION FOR SAVINGS— BOSTON. 

[February 23.] 
John C. Crowley, President. Treasurer, George F. Emery. 



Deposits, .... 
Profits, .... 
Public Funds, . 
Loans on Real Estate, 

to Banks, on interest, 
Expense Account, . 
Cash on hand, . 



.,163,547 16 
47,018 97 



1,210,566 13 



$435,000 00 

741,180 94 

27,117 76 

6,275 77 

991 66 



$1,210,566 13 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

Extra dividends are made once in 

Average annual expenses, .... 



3,884 
6 per cent. 
Five years. 
$5,000 00 



56 



BANK COMMISSIONER'S REPORT. 



[Jan. 



WALTHAM SAVINGS BANK— WALTHAM. 

[December 30.] 
Horatio Moore, President. Treasure}', John S. Williams. 



Deposits, ....... 


$696,788 29 




Profits, 


3,626 73 




Public Funds, 




$70,000 00 


Bank Stock, ...... 




29,935 00 


Loans on Public Funds, .... 




5,000 00 


on Real Estate, .... 




442,533 00 


on Personal Security, 




65,050 0C 


to Counties, Cities and Towns, 




80,900 00 


Expense Account, ..... 




1,000 00 


Cash on hand, 




5,997 02 




$700,415 02 


$700,415 02 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Average Annual expenses, 



2,678 
7 per cent. 

$11,935 00 
1,000 00 



WAKEFIELD SAVINGS BANK— WAKEFIELD. 

[November 8.] 
Cyrus Wakefield, President. Treasurer, Daniel Allen. 



Deposits, ....... 

Interest, ....... 

Loans on Real Estate, .... 

• on Personal Security, 
Expense Account, ..... 

Cash on hand, ...... 


$16,594 81 
1 10 


$8,400 00 

4,300 00 

117 99 

3,777 92 




$16,595 91 


$16,595 91 


Commenced business June 30, 1869. 




214 



1870.] 



PUBLIC DOCUMENT— No. 8. 



57 



WAKE SAVINGS BANK—WARE. 
[June 22.] 



William Hyde, President. 




Treasurer, Otis Lane. 


Deposits, 


$887,330 21 




Profits, 


i, •. • • 


15,191 43 




Interest, . 


i • ■ • ■ 


33,126 50 




Public Funds, . 


• • • 




$414,000 00 


Bank Stock, 


•••'*• 




161,300 00 


Loans on Public Funds, . 


■ • • 




10,236 00 


on Bank Stock, 


■ • * • 




6,650 00 


on Real Estate, 


• • • 




164,870 00 


on Personal Security, 




107,677 00 


to Counties, Cities and Towns, 




53,000 00 


Expense Account, 




4,025 74 


Cash on hand, 




13,889 40 






$935,648 14 


$935,648 14 



Number of Depositors, . . . 2,873 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1865. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $25,000 00 

Average annual expenses, 2,800 00 



WAREHAM SAVINGS BANK— WAREHAM. 

[August 3. J 
J. B. Tobet, President. Treasurer, Thomas R. Miles. 



Deposits, .... 


• • • 


$319,778 74 




Interest, .... 


• • • 


13,522 26 




Public Funds, . 


• • * 




$52,200 00 


Bank Stock, 


• • • 




152,282 08 


Railroad Bonds, 


• • • 




12,853 00 


Loans on Bank Stock, 


• • a 




19,600 00 


on Real Estate, 


• • • 




3,250 00 


on Personal Security, 


• • • 




61,099 48 


on Railroad Stock, . 


• • « 




9,900 00 


to Counties, Cities and Towns, 




5,000 00 


Expense Account, 


• • • 




210 00 


Cash on hand, . 


• • • 




16,906 44 


• 


$333,301 00 


$333,301 00 



Number of Depositors, 1,153 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $21,247 00 

Average annual expenses, 826 00 



8 






58 



BANK COMMISSIONER'S REPORT. 



[Jan. 



WARREN FIVE CENTS SAVINGS BANK— PEABODY. 

[October 19.] 

Treasurer, Francis Baker. 



George Osborne, President. 



Deposits, 


— ». 

$440,598 45 




Profits, ....... 


32,514 05 




Public Funds, 




$185,000 00 


Bank Stock, ...... 




74,784 00 


Loans on Real Estate, .... 




149,450 CO 


on Personal Security, 




12,200 00 


to Counties, Cities and Towns, 




39,750 00 


Cash on hand, ...... 




11,928 50 




$473,112 50 


$473,112 50 



Number of Depositors, 2,102 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in November, 1864. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $16,500 00 

Average annual expenses, 600 00 



WARREN INSTITUTION FOR SAVINGS— CHARLESTOWN. 

[September 27.] 
James Adams, President. Treasurer, George S. Poole. 



Deposits, ....... 


$2,267,637 18 




Profit and Loss, ..... 


56,171 74 




Interest, ....... 


15,434 86 




Rents, ....... 


1,279 16 




Public Funds, ...... 




$535,000 00 


Bank Stock, ...... 




75,200 00 


Real Estate, ...... 




50,000 00 


Loans on Real Estate, .... 




1,210,636 96 


on Personal Security, 




136,400 00 


to Counties, Cities and Towns, 




286,055 00 


Accrued Interest, ..... 




34,419 74 


Expense Account, ..... 




3,033 44 


Cash on hand, ...... 




9,777 80 




$2,340,522 94 


$2,340,522 94 



Number of Depositors, 

Bate of ordinary dividends for the last year, 
No extra dividends. 

Largest amount invested in the stock of any one bank, 
inntial expenses, 



7,238 
7 per cent. 

'.1)00 00 
6,400 00 






1870.] 



PUBLIC DOCUMENT— No. 8. 



59 



WEBSTER FIVE CENTS SAVINGS BANK— WEBSTER. 

[October 6.] 
Henry H. Stevens, President. Treasurer, Edwin May. 



Deposits, .... 


• • • 


$52,412 22 




Interest, .... 


• • • 


890 17 




Loans on Public Funds, . 


• • • 




$800 00 


on Real Estate, 


• • • 




33,650 00 


on Personal Security, 


• • ■ • 




4,000 00 


to Counties, Cities and Towns, 




8,600 00 


to Banks, on interest, 


• • • 




4,600 00 


Dividend Account, . 


• • • 




739 31 


Expense Account, 


• • • 




404 27 


Cash on hand, . 


• • • 




508 81 




$53,302 39 


$53,302 39 



Number of Depositors, 

Rate of ordinary dividends for the last year, 
No extra dividends. 



637 
5£ per cent. 



Richard R. Freeman. President 



WELLFLEET SAVINGS BANK— WELLFLEET. 

[July 28.] 

Treasurer, Simeon At wood. 



Deposits, 


$75,180 80 




Profits, ....... 


23,195 60 




Public Funds, 




$24,960 43 


Bank Stock, . . . • . 




39,734 92 


Loans on Real Estate, .... 




3,025 00 


on Personal Security, 




13,175 83 


to Counties, Cities and Towns, 




10,800 00 


Cash on hand, ...... 


• 


6,680 22 




$98,376 40 


$98,376 40 



Number of Depositors, 

Bate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



499 
8 per cent. 

$6,480 75 
350 00 



60 



BANK COMMISSIONER'S REPORT. 



[Jan. 



WESTBOROUGH SAVINGS BANK— WESTBOROUGH. 

[November 11.] 



Cyrus Fat, President. 



Treasurer, George 0. Brigham. 



Deposits, .... 

Interest, .... 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 

Expense Account, 

Cash on hand, . 




$10,299 04 
9 07 


$2,500 00 

5,250 00 

1,600 00 

73 40 

884 71 






$10,308 11 


$10,308 11 



Number of Depositors, . 
Commenced business May 1, 1869. 



106 



WEST BOSTON SAVINGS BANK-BOSTON 

[March 5.] 
Franklin Haven, President. 



Treasurer, James H. Wilder. 



Deposits, 


$375,414 25 


r 


Profits, .... 








4.643 30 




Bank Stock, 










$39,162 25 


Railroad Bonds, 










10,000 00 


Loans on Public Funds, . 










41,000 00 


on Real Estate, 










269,432 00 


on Personal Security, 










12,000 00 


Furniture and Fixtures, . 










1,569 92 


Accrued Interest Account, 










114 75 


Expense Account, 










2,791 29 


Cash on hand, . 










3,987 34 










$380,057 55 


$380,057 55 



Number of Depositors, 1,88-1 

Rate of ordinary dividends for the last year, ..... 6 per cent. 

Largest amount invested in the stock of any one bank, . . . .$11,757 25 

Average annual expenses, 3,500 00 



1870.] 



PUBLIC DOCUMENT— No. 8. 



61 



WESTFIELD SAVINGS BANK— WESTFIELD. 

[June 24.] 
Chakles A. Jessup, President. Treasurer, V. W. Ckowson. 



Deposits, . 


$349,106 73 




Profits. 


* • 






1,261 21 




Interest, . 


• 






14 37 




Dividend Account, 


» • 






485 00 




Public Funds, . 


> • 








$145,200 00 


Bank Stock, 


. 








9,000 00 


Loans on Public Funds, . 








33,210 00 


on Bank Stock, 








11,000 00 


on Keal Estate, 








72,360 00 


on Personal Security, 








66,325 00 


Profit and Loss Account, . 








2,055 16 


Expense Account, . 








1,365 84 


Cash on hand, . 








10,351 31 










$350,867 31 


$350,867 31 



Number of Depositors, 1,456 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in July, 1868. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $5,800 00 

Average annual expenses, . . 778 48 



WEYMOUTH AND BRAINTREE INSTITUTION FOR SAVINGS— WEYMOUTH. 

[September 23.] 



John W. Loud, President. 



Treasurer, A. S. White. 



Deposits, . 
Suspense Account, 
Public Funds, . 
Bank Stock, 
Railroad Bonds, 
Loans on Real Estate, 

on Personal Security, 
Expense Account, 
Cash on hand, . 



$490,043 09 
63 62 



$490,106 71 



$126,500 00 
66,200 00 
10,000 00 
236,357 00 
33,664 00 
127 24 
17,258, 47 



$ 490,106 71 



Number of Depositors, . m 1,840 

Rate of ordinary dividends for theHast year, 6 per cent. 

Last dividend of reserved profits, in January, 1869. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $40,000 00 

Average annual expenses, 1,000 00 



62 



BANK COMMISSIONER'S REPORT. 



[Jan. 



WINCHENDON SAVINGS BANK— WINCHENDON. 

[May 21.] 
E. Murdock, Jr., President. Treasurer, C. L. Bbals. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Loans on Real Estate, 

on Personal Security 
Expense Account, 
Cash on hand, . 



$192,528 15 
14,086 89 



$206,615 01 



$61,500 00 

20,000 00 

969 90 

62,772 36 

56,748 20 

908 02 

3,716 56 



$206,615 04 



Rate of ordinary dividends for the last year, 
Last dividend of reserved profits, in November, 1864. 
Extra dividends are made once in ... 
Largest amount invested in the stock of any one bank, 
Average annual expenses, 



5 per. cent. 

Five years. 
$9,000 00 
350 00 



WOBURN FIVE CENTS SAVINGS BANK— WOBURN. 

[November 19.] 
Stephen Dow, President. Treasurer, J. N. Dow. 



Deposits, . 

Interest, . 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 

Cash on hand, . 



$141,325 24 
960 73 



$142,285 97 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Last dividend of reserved profits, in July, 1869. 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 4 



$63,000 00 



17,241 

2,500 

500 

6,590 

49,600 

2,85 1 



00 
00 
00 
00 
00 
97 



$142,285 97 



1,452 
5 per cent. 

Three years. 
$6,070 00 
596 00 



1870.] 



PUBLIC DOCUMENT— No. 8. 



63 



WORCESTER COUNTY INSTITUTION FOR SAVINGS— WORCESTER. 

[May 18.] 



Stephen Salisbury, President. 


Treasurer, 


C. A. Hamilton. 


Deposits, ....... 


$3,722,867 80 




Profits, .... 


• • • 


144,254 51 




Suspense Account, . 


• • • 


5,062 58 




Public Funds, . 


i * • • 




$998,800 00 


Bank Stock, 


t • • • 




639,000 00 


Loans on Public Funds, . 


• • • 




43,600 00 


on Bank Stock, 


» • • • 




18,370 00 


on Real Estate, 


i • • • 




1,621,107 00 


on Personal Security, 




134,199 92 


to Counties, Cities and Towns, 




391,100 00 


to Banks, on interest, 




12,573 67 


Expense Account, ..... 




2,672 61 


Cash on band, 




10,761 69 






$3,872,184 89 


$3,872,184 89 



Number of Depositors, 13,541 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $63,600 00 

Average annual expenses, . 9,000 00 



WORCESTER FIVE CENTS SAVINGS BANK— WORCESTER. 

[May 19.] 
Charles L. Putnam, President. Treasurer, Clarendon Harris. 



Deposits, 


$536,934 55 




Interest, ... 


> • • * 


39,053 73 




Public Funds, . 


> • • • 




$127,200 00 


Bank Stock, 


i • • • 




85,800 00 


Loans on Public Funds, 


» • • • 




10,800 00 


on Bank Stock, 


• • • 




10,000 00 


on Real Estate, 


• • • 




165,175 00 


on Personal Security, 




7,000 00 


to Counties, Cities and Towns, 




129,500 00 


Dividend Account, 




23,555 90 


Expense Account, 




3,654 50 


Cash on hand, 




13,302 88 






$575,988 28 


$575,988 28 



Number of Depositors, 

Rate of ordinary dividends for the last year, 
Last dividend of reserved profits, in July, 1867. 
Largest amount invested in the stock of any one bank, 
Average annual expenses, 



4,064 
6 per cent. 

$9,600 0G 
1,200 00 



64 



BANK COMMISSIONER'S REPORT. 



[Jan. 



WORCESTER MECHANICS' SAVINGS BANK— WORCESTER. 

[April 28.] 
Harrison Bliss, President. Treasurer, Henry Woodward. 



Deposits, .... 


• • • 


$1,486,727 82 




Profits, .... 


• • • 


34,589 06 




Public Funds, . 


• • • 




$345,200 00 


Bank Stock, 


• • • 




130,100 00 


Loans on Public Funds, . 


• • • 




39,875 53 


on Bank Stock, 


• • • 




6,176 60 


on Real Estate, 


• • • 




852,831 50 


on Personal Security, 


• • • 




101,939 09 


on Railroad Stock, . 


• • • 




10,000 00 


to Counties, Cities and Towns, 




9,200 00 


Expense Account, 


• • • 




2,023 09 


Cash on hand, . 


• • • 


. 


23,971 07 


• 


$1,521,316 88 


$1,521,316 88 



Number of Depositors, 4,561 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in January, 1867. 

Largest amount invested in the stock of any one bank, . . . $31,224 69 

Average annual expenses, 4,000 00 



WORCESTER NORTH SAVINGS INSTITUTION— FITCHBURG. 

[November 12.] 
David Boutell, President. Treasurer, Henry A. Willis. 



Deposits, . 

Interest, . 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns 

Expense Account, 

Cash on hand, . 



$178,296 88 
1,242 87 



$179,539 75 



$10,756 25 

3,860 00 

3,500 00 

4,950 00 

88,982 39 

60,425 57 

2,000 00 

189 63 

4,875 91 



$179,539 75 



Number of Depositors, 705 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

largest amount invested in the stock of any one bank, . . . $3,860 00 

Amagt rmnual expenses, ,;,) 00 



1870.] 



PUBLIC DOCUMENT— No. 8. 



65 



STATE OF THE WORCESTER SAFE DEPOSIT AND TRUST COMPANY, 

WORCESTER. 

[October 7.] 
George M. Rice, President. Secretary, Samuel T. Bigelow. 



Capital Stock, 


!$198,750 00 




Deposits, . 








259,522 06 




Certificate of Deposits, 








1,136 32 




Interest, . 








10,498 68 




Deposit Premium, 








365 67 




-Commissions, 








133 24 




Safe Rental, 








1,541 50 




Exchange, 








5 C8 




United States Bonds, 










$13,200 00 


Railroad Bonds, 










45,000 00 


-_ . " ?n call, . 










17,700 00 


on Mortgages, 










6,000 00 


Notes Receivable, 






. . 




318,882 09 


Fixtures and Furniture, . 








- 


11,178 24 


Expenses, .... 










3,672 86 


Taxes, 


> ■ • i 










668 24 


Premium, . 


■ • i 










807 00 


Cash items, 


• « 










188 94 


in Office, . 


• « 










14,675 22 


on deposit in Banks, . 










39,979 96 












$471,952 55 


$471,952 55 




64 



E 
] 






/• ' 



SAYINGS INSTITUTIONS. 



The Commissioner of Savings Banks has also the honor to 
submit the following Abstract of the Annual Returns of Savings 
Institutions in the Commonwealth, exhibiting their condition 
on Saturday, the thirtieth day of October, 1869, in answer to 
the requisition of His Excellency the Governor. 



1 



ABSTRACT 



OF THE 



ANNUAL RETURNS 



OF THE 



SAVINGS INSTITUTIONS. 



18 6 9. 






70 



BANK COMMISSIONER'S REPORT. 



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1870.] 



PUBLIC DOCUMENT— No. 8. 



71 



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BANK COMMISSIONER'S REPORT. 



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